Loans receivable | Loans receivable The following table shows a summary of our loans receivable at September 30, 2017 and December 31, 2016 (in thousands): September 30, 2017 December 31, 2016 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,624,216 119,463 2,743,679 2,565,620 133,511 2,699,131 Home equity loans 1,045,152 268,283 1,313,435 1,042,913 302,457 1,345,370 Consumer finance loans (2) 26,892 — 26,892 48,981 — 48,981 Consumer loans 522,604 110,611 633,215 418,656 163,622 582,278 Total Personal Banking 4,218,864 498,357 4,717,221 4,076,170 599,590 4,675,760 Commercial Banking: Commercial real estate loans 2,210,699 312,192 2,522,891 2,140,678 372,991 2,513,669 Commercial loans 556,750 69,724 626,474 481,543 75,676 557,219 Total Commercial Banking 2,767,449 381,916 3,149,365 2,622,221 448,667 3,070,888 Total loans receivable, gross 6,986,313 880,273 7,866,586 6,698,391 1,048,257 7,746,648 Deferred loan costs 24,707 1,799 26,506 20,081 2,294 22,375 Allowance for loan losses (50,845 ) (6,082 ) (56,927 ) (55,293 ) (5,646 ) (60,939 ) Undisbursed loan proceeds: Residential mortgage loans (13,146 ) — (13,146 ) (11,638 ) — (11,638 ) Commercial real estate loans (121,316 ) (2,689 ) (124,005 ) (168,595 ) (2,985 ) (171,580 ) Commercial loans (28,519 ) (1,284 ) (29,803 ) (26,168 ) (2,290 ) (28,458 ) Total loans receivable, net $ 6,797,194 872,017 7,669,211 6,456,778 1,039,630 7,496,408 (1) Includes $1.4 million and $9.6 million of loans held for sale at September 30, 2017 and December 31, 2016, respectively. (2) Represents consumer loans from our NCDC offices which are no longer being originated. 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 $ 10,344 16,108 Carrying value 7,393 12,665 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 877,022 1,040,378 Carrying value 870,705 1,032,611 Total acquired loans: Outstanding principal balance 887,366 1,056,486 Carrying value 878,098 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 (1,130 ) Net reclassification from nonaccretable yield 498 Balance at September 30, 2017 $ 1,555 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, 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 $ 1,215 1,931 37 1,267 126 Home equity loans 1,166 2,274 9 1,264 124 Consumer loans 80 198 4 108 43 Total Personal Banking 2,461 4,403 50 2,639 293 Commercial Banking: Commercial real estate loans 4,828 5,826 67 7,212 823 Commercial loans 104 115 — 178 14 Total Commercial Banking 4,932 5,941 67 7,390 837 Total $ 7,393 10,344 117 10,029 1,130 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 September 30, 2017 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,986 (462 ) (211 ) 24 4,635 Home equity loans 3,295 615 (285 ) 8 2,957 Consumer finance loans 4,876 4,220 (3,891 ) 80 4,467 Consumer loans 7,383 4,594 (2,844 ) 353 5,280 Total Personal Banking 19,540 8,967 (7,231 ) 465 17,339 Commercial Banking: Commercial real estate loans 20,174 (2,529 ) (163 ) 282 22,584 Commercial loans 11,131 (5,445 ) (204 ) 76 16,704 Total Commercial Banking 31,305 (7,974 ) (367 ) 358 39,288 Total originated loans 50,845 993 (7,598 ) 823 56,627 Acquired loans: Personal Banking: Residential mortgage loans 77 (11 ) (4 ) 7 85 Home equity loans 748 324 (243 ) 44 623 Consumer loans 594 106 (158 ) 18 628 Total Personal Banking 1,419 419 (405 ) 69 1,336 Commercial Banking: Commercial real estate loans 3,301 2,433 (1,738 ) 160 2,446 Commercial loans 1,362 (818 ) (305 ) 9 2,476 Total Commercial Banking 4,663 1,615 (2,043 ) 169 4,922 Total acquired loans 6,082 2,034 (2,448 ) 238 6,258 Total $ 56,927 3,027 (10,046 ) 1,061 62,885 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 finance loans 3,429 1,014 (835 ) 111 3,139 Consumer loans 5,667 2,331 (1,700 ) 251 4,785 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 nine months ended September 30, 2017 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,986 (278 ) (678 ) 286 4,656 Home equity loans 3,295 503 (803 ) 109 3,486 Consumer finance loans 4,876 6,610 (5,469 ) 290 3,445 Consumer loans 7,383 9,741 (7,912 ) 1,025 4,529 Total Personal Banking 19,540 16,576 (14,862 ) 1,710 16,116 Commercial Banking: Commercial real estate loans 20,174 (3,988 ) (498 ) 993 23,667 Commercial loans 11,131 (3,517 ) (1,858 ) 996 15,510 Total Commercial Banking 31,305 (7,505 ) (2,356 ) 1,989 39,177 Total originated loans 50,845 9,071 (17,218 ) 3,699 55,293 Acquired loans: Personal Banking: Residential mortgage loans 77 130 (199 ) 75 71 Home equity loans 748 512 (1,063 ) 252 1,047 Consumer loans 594 405 (689 ) 225 653 Total Personal Banking 1,419 1,047 (1,951 ) 552 1,771 Commercial Banking: Commercial real estate loans 3,301 1,832 (2,206 ) 667 3,008 Commercial loans 1,362 1,276 (847 ) 66 867 Total Commercial Banking 4,663 3,108 (3,053 ) 733 3,875 Total acquired loans 6,082 4,155 (5,004 ) 1,285 5,646 Total $ 56,927 13,226 (22,222 ) 4,984 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 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 Consumer finance loans 3,429 2,163 (2,321 ) 312 3,275 Consumer loans 5,667 5,205 (4,587 ) 836 4,213 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 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 At September 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 September 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 $ 2,743,226 4,063 13,195 — 7,807 782 — Home equity loans 1,313,435 4,043 7,699 146 1,781 451 4 Consumer finance loans 26,892 4,876 333 — — — — Consumer loans 647,028 7,977 4,108 252 — — — Total Personal Banking 4,730,581 20,959 25,335 398 9,588 1,233 4 Commercial Banking: Commercial real estate loans 2,398,886 23,475 39,721 — 22,173 1,926 252 Commercial loans 596,671 12,493 8,278 — 6,708 1,025 23 Total Commercial Banking 2,995,557 35,968 47,999 — 28,881 2,951 275 Total $ 7,726,138 56,927 73,334 398 38,469 4,184 279 (1) Includes $17.8 million of nonaccrual TDRs. (2) Represents loans 90 days past maturity and still accruing. (3) Includes $17.8 million of nonaccrual, and $20.7 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 $ 2,698,166 4,727 18,264 — 7,299 708 — Home equity loans 1,345,370 4,533 7,865 — 1,813 450 4 Consumer finance loans 48,981 3,445 743 — — — — Consumer loans 593,980 5,182 4,366 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 nine months ended September 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 $ 11,785 1,410 — 6,894 20,089 21,521 706 Home equity loans 6,295 1,404 — 1,436 9,135 8,878 320 Consumer finance loans 332 1 — — 333 428 15 Consumer loans 3,244 864 — — 4,108 3,887 132 Total Personal Banking 21,656 3,679 — 8,330 33,665 34,714 1,173 Commercial Banking: Commercial real estate loans 22,583 17,138 4,707 4,804 49,232 52,813 1,381 Commercial loans 4,177 4,101 943 2,447 11,668 12,402 544 Total Commercial Banking 26,760 21,239 5,650 7,251 60,900 65,215 1,925 Total $ 48,416 24,918 5,650 15,581 94,565 99,929 3,098 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 finance loans 743 — — — 743 772 35 Consumer loans 3,080 1,286 — — 4,366 2,931 131 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 September 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 $ 2,734,753 8,473 8,473 783 — Home equity loans 1,311,654 1,781 1,781 451 — Consumer finance loans 26,892 — — — — Consumer loans 646,933 95 95 23 — Total Personal Banking 4,720,232 10,349 10,349 1,257 — Commercial Banking: Commercial real estate loans 2,370,814 28,072 25,223 3,028 2,849 Commercial loans 587,013 9,658 9,150 1,530 508 Total Commercial Banking 2,957,827 37,730 34,373 4,558 3,357 Total $ 7,678,059 48,079 44,722 5,815 3,357 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 $ 2,689,886 8,280 8,280 709 — Home equity loans 1,343,556 1,814 1,814 450 — Consumer finance loans 48,981 — — — — Consumer loans 593,854 126 126 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 nine 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 (dollars in thousands): For the quarters ended September 30, 2017 2016 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 203 $ 41,860 230 $ 49,113 New TDRs 6 546 5 245 Re-modified TDRs 2 265 1 799 Net paydowns (987 ) (1,781 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans 2 (2,498 ) — — Commercial loans — — 1 (99 ) Paid-off loans: Residential mortgage loans — — 3 (143 ) Home equity loans 3 (30 ) 2 (264 ) Commercial real estate loans 1 (564 ) 8 (1,022 ) Commercial loans 2 (123 ) 3 (253 ) Ending TDR balance: 201 $ 38,469 218 $ 46,595 Accruing TDRs $ 20,660 $ 29,221 Non-accrual TDRs 17,809 17,374 The following table provides a roll forward of troubled debt restructuring for the periods indicated (dollars in thousands): For the nine months ended September 30, 2017 2016 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 225 $ 42,926 227 $ 51,115 New TDRs 13 4,685 23 5,256 Re-modified TDRs 3 710 5 1,862 Net paydowns (3,668 ) (4,685 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans 2 (2,498 ) — — Commercial loans 6 (259 ) 2 (142 ) Paid-off loans: Residential mortgage loans — — 3 (143 ) Home equity loans 8 (62 ) 5 (496 ) Commercial real estate loans 11 (1,109 ) 16 (5,584 ) Commercial loans 10 (2,256 ) 6 (588 ) Ending TDR balance: 201 $ 38,469 218 $ 46,595 Accruing TDRs $ 20,660 $ 29,221 Non-accrual TDRs 17,809 17,374 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, 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 2 $ 403 402 40 5 $ 1,297 1,276 128 Home equity loans 2 122 119 30 2 122 119 30 Total Personal Banking 4 525 521 70 7 1,419 1,395 158 Commercial Banking: Commercial real estate loans 2 114 116 13 6 3,600 3,282 285 Commercial loans 2 172 170 71 3 376 352 84 Total Commercial Banking 4 286 286 84 9 3,976 3,634 369 Total 8 $ 811 807 154 16 $ 5,395 5,029 527 Troubled debt restructurings modified within the previous twelve months that have subsequently defaulted: Personal Banking: Residential mortgage loans — $ — — — — $ — — — Home equity loans — — — — — — — — Total Personal Banking — — — — — — — — Commercial Banking Commercial real estate loans 1 90 90 11 1 90 90 11 Commercial loans 1 150 150 70 1 150 150 70 Total Commercial Banking 2 240 240 81 2 240 240 81 Total 2 $ 240 240 81 2 $ 240 240 81 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 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 — — — — — — — — Total Personal Banking — — — — — — — — Commercial Banking: Commercial real estate loans 1 6,256 6,113 893 1 6,256 6,113 893 Commercial loans — — — — — — — — Total Commercial Banking 1 6,256 6,113 893 1 6,256 6,113 893 Total 1 $ 6,256 6,113 893 1 $ 6,256 6,113 893 The following table provides information as of September 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 September 30, 2017 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ 250 — — 152 402 Home equity loans 2 119 — — — 119 Total Personal Banking 4 369 — — 152 521 Commercial Banking: Commercial real estate loans 2 — — 116 — 116 Commercial loans 2 — — 170 — 170 Total Commercial Banking 4 — — 286 — 286 Total 8 $ 369 — 286 152 807 The following table provides information as of September 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 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 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, 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 nine months ended September 30, 2017 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 5 $ 360 — — 916 1,276 Home equity loans 2 119 — — — 119 Total Personal Banking 7 479 — — 916 1,395 Commercial Banking: Commercial real estate loans 6 — 2,710 572 — 3,282 Commercial loans 3 — — 352 — 352 Total Commercial Banking 9 — 2,710 924 — 3,634 Total 16 $ 479 2,710 924 916 5,029 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 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 related to re-modified troubled debt restructuring by portfolio segment and by class of financing receivable for the quarter ended September 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 $ 250 — — — 250 Home equity loans 1 13 — — — 13 Total Personal Banking 2 263 — — — 263 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 2 $ 263 — — — 263 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): Type of re-modification Number of re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity 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 nine months ended September 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 2 $ 250 — — 430 680 Home equity loans 1 13 — — — 13 Total Personal Banking 3 263 — — 430 693 Commercial Banking: Commercial real estate loans — — — — — — Commercial loans — — — — — — Total Commercial Banking — — — — — — Total 3 $ 263 — — 430 693 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): Type of re-modification Number of re-modified TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity 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 loan payment delinquencies at September 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 $ 2,771 6,133 11,315 20,219 2,603,544 2,623,763 — Home equity loans 6,636 2,219 5,158 14,013 1,031,139 1,045,152 — Consumer finance loans 3,065 2,190 332 5,587 21,305 26,892 — Consumer loans 8,248 2,963 2,939 14,150 520,468 534,618 — Total Personal Banking 20,720 13,505 19,744 53,969 4,176,456 4,230,425 — Commercial Banking: Commercial real estate loans 3,586 7,290 18,069 28,945 2,060,438 2,089,383 — Commercial loans 271 2 3,288 3,561 524,670 528,231 — Total Commercial Banking 3,857 7,292 21,357 32,506 2,585,108 2,617,614 — Total originated loans 24,577 20,797 41,101 86,475 6,761,564 6,848,039 — Acquired loans: Personal Banking: Residential mortgage loans — 1,063 875 1,938 117,525 119,463 405 Home equity loans 694 171 1,239 2,104 266,179 268,283 102 Consumer loans 1,262 320 315 1,897 110,513 112,410 10 Total Personal Banking 1,956 1,554 2,429 5,939 494,217 500,156 517 Commercial Banking: Commercial real estate loans 2,167 376 5,241 7,784 301,719 309,503 727 Commercial loans 475 194 889 1,558 66,882 68,440 — Total Commercial Banking 2,642 570 6,130 9,342 368,601 377,943 727 Total acquired loans 4,598 2,124 8,559 15,281 862,818 878,099 1,244 Total loans $ 29,175 22,921 49,660 101,756 7,624,382 7,726,138 1,244 (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 2,564,655 — Home equity loans 5,785 1,305 4,783 11,873 1,014,442 1,042,913 — Consumer finance loans 1,255 766 743 2,764 46,217 48,981 — Consumer loans 7,343 2,438 2,775 12,556 415,508 428,064 — 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 unc |