Loans Receivable and Allowance for Loan Losses | Loans Receivable and Allowance for Loan Losses Loans receivable at December 31, 2017 and 2016 are summarized in the table below: December 31, 2017 December 31, 2016 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,658,726 113,823 2,772,549 2,565,620 133,511 2,699,131 Home equity loans 1,051,558 258,797 1,310,355 1,042,913 302,457 1,345,370 Consumer finance loans (2) 18,619 — 18,619 48,981 — 48,981 Consumer loans 540,832 97,877 638,709 418,656 163,622 582,278 Total Personal Banking 4,269,735 470,497 4,740,232 4,076,170 599,590 4,675,760 Commercial Banking: Commercial real estate loans 2,303,179 296,161 2,599,340 2,140,678 372,991 2,513,669 Commercial loans 572,341 60,822 633,163 481,543 75,676 557,219 Total Commercial Banking 2,875,520 356,983 3,232,503 2,622,221 448,667 3,070,888 Total loans receivable, gross 7,145,255 827,480 7,972,735 6,698,391 1,048,257 7,746,648 Deferred loan costs 26,255 1,527 27,782 20,081 2,294 22,375 Allowance for loan losses (50,572 ) (6,223 ) (56,795 ) (55,293 ) (5,646 ) (60,939 ) Undisbursed loan proceeds: Residential mortgage loans (10,067 ) — (10,067 ) (11,638 ) — (11,638 ) Commercial real estate loans (141,967 ) (2,647 ) (144,614 ) (168,595 ) (2,985 ) (171,580 ) Commercial loans (51,143 ) (1,284 ) (52,427 ) (26,168 ) (2,290 ) (28,458 ) Total loans receivable, net $ 6,917,761 818,853 7,736,614 6,456,778 1,039,630 7,496,408 (1) Includes $3.1 million and $9.6 million of loans held for sale at December 31, 2017 and 2016 , respectively. (2) Represents loans from our consumer finance subsidiary that was closed in 2017 which are no longer being originated. As of December 31, 2017 , 2016 and 2015 , we serviced loans for others approximating $887.3 million , $918.9 million and $776.0 million , respectively. These loans serviced for others are not our assets and are not included in our financial statements. As of December 31, 2017 and 2016 , approximately 60% and 62% , respectively, of our loan portfolio was secured by properties located in Pennsylvania. We do not believe we have significant concentrations of credit risk to any one group of borrowers given our underwriting and collateral requirements. Loans receivable as of December 31, 2017 and 2016 include $2.856 billion and $2.755 billion , respectively, of adjustable rate loans and $5.117 billion and $4.992 billion , respectively, of fixed rate loans. The following table provides information related to the outstanding principal balance and related carrying value of acquired loans for the dates indicated: December 31, 2017 2016 Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 9,735 16,108 Carrying value 6,875 12,665 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 824,205 1,040,378 Carrying value 818,201 1,032,611 Total acquired loans: Outstanding principal balance 833,940 1,056,486 Carrying value 825,076 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: 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 (1,318 ) Net reclassification from nonaccretable yield 671 Balance at December 31, 2017 $ 1,540 The following table provides information related to purchased credit impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2017 : Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income/ accretion recognized Personal Banking: Residential mortgage loans $ 1,182 1,880 24 1,251 181 Home equity loans 1,143 2,219 21 1,253 157 Consumer loans 59 160 4 97 51 Total Personal Banking 2,384 4,259 49 2,601 389 Commercial Banking: Commercial real estate loans 4,388 5,363 39 6,992 914 Commercial loans 103 113 — 177 15 Total Commercial Banking 4,491 5,476 39 7,169 929 Total $ 6,875 9,735 88 9,770 1,318 The following table provides information related to purchased credit impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2016 : 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 changes in the allowance for losses on loans receivable for the year ended December 31, 2017 : Balance Provision Charge-offs Recoveries Balance Originated loans Personal Banking: Residential mortgage loans $ 3,824 (390 ) (834 ) 392 4,656 Home equity loans 4,072 1,474 (1,080 ) 192 3,486 Consumer finance loans 3,968 8,444 (8,369 ) 448 3,445 Consumer loans 8,475 13,601 (11,128 ) 1,473 4,529 Total Personal Banking 20,339 23,129 (21,411 ) 2,505 16,116 Commercial Banking: Commercial real estate loans 19,911 (3,663 ) (1,344 ) 1,251 23,667 Commercial loans 10,322 (4,777 ) (2,462 ) 2,051 15,510 Total Commercial Banking 30,233 (8,440 ) (3,806 ) 3,302 39,177 Total originated loans 50,572 14,689 (25,217 ) 5,807 55,293 Acquired loans Personal Banking: Residential mortgage loans 131 185 (205 ) 80 71 Home equity loans 762 503 (1,179 ) 391 1,047 Consumer loans 890 765 (795 ) 267 653 Total Personal Banking 1,783 1,453 (2,179 ) 738 1,771 Commercial Banking: Commercial real estate loans 3,549 2,631 (2,830 ) 740 3,008 Commercial loans 891 978 (1,028 ) 74 867 Total Commercial Banking 4,440 3,609 (3,858 ) 814 3,875 Total acquired loans 6,223 5,062 (6,037 ) 1,552 5,646 Total $ 56,795 19,751 (31,254 ) 7,359 60,939 The following table provides information related to changes in the allowance for losses on loans receivable for the year ended December 31, 2016 : Balance Provision Charge-offs Recoveries Balance Originated loans Personal Banking: Residential mortgage loans $ 4,656 2,906 (3,228 ) 286 4,692 Home equity loans 3,486 293 (1,090 ) 342 3,941 Consumer finance loans 3,445 3,117 (3,323 ) 376 3,275 Consumer loans 4,529 5,935 (6,902 ) 1,283 4,213 Total Personal Banking 16,116 12,251 (14,543 ) 2,287 16,121 Commercial Banking: Commercial real estate loans 23,667 (9,819 ) (2,403 ) 3,541 32,348 Commercial loans 15,510 4,834 (4,165 ) 2,340 12,501 Total Commercial Banking 39,177 (4,985 ) (6,568 ) 5,881 44,849 Total originated loans 55,293 7,266 (21,111 ) 8,168 60,970 Acquired loans Personal Banking: Residential mortgage loans 71 146 (252 ) 159 18 Home equity loans 1,047 2,065 (1,449 ) 330 101 Consumer loans 653 1,072 (680 ) 151 110 Total Personal Banking 1,771 3,283 (2,381 ) 640 229 Commercial Banking: Commercial real estate loans 3,008 2,116 (1,337 ) 790 1,439 Commercial loans 867 877 (52 ) 8 34 Total Commercial Banking 3,875 2,993 (1,389 ) 798 1,473 Total acquired loans 5,646 6,276 (3,770 ) 1,438 1,702 Total $ 60,939 13,542 (24,881 ) 9,606 62,672 The following table provides information related to changes in the allowance for losses on loans receivable for the year ended December 31, 2015 : Balance Provision Charge-offs Recoveries Balance Originated loans Personal Banking: Residential mortgage loans $ 4,692 (96 ) (1,057 ) 264 5,581 Home equity loans 3,941 693 (1,716 ) 414 4,550 Consumer finance loans 3,275 2,853 (3,056 ) 404 3,074 Consumer loans 4,213 5,132 (5,017 ) 1,054 3,044 Total Personal Banking 16,121 8,582 (10,846 ) 2,136 16,249 Commercial Banking: Commercial real estate loans 32,348 540 (5,741 ) 4,160 33,389 Commercial loans 12,501 2,768 (7,814 ) 4,032 13,515 Total Commercial Banking 44,849 3,308 (13,555 ) 8,192 46,904 Unallocated — (4,365 ) — — 4,365 Total originated loans 60,970 7,525 (24,401 ) 10,328 67,518 Acquired loans Personal Banking: Residential mortgage loans 18 47 (69 ) 40 — Home equity loans 101 247 (708 ) 562 — Other consumer loans 110 188 (201 ) 123 — Total Personal Banking 229 482 (978 ) 725 — Business Banking: Commercial real estate loans 1,439 1,545 (585 ) 479 — Commercial loans 34 160 (369 ) 243 — Total Business Banking 1,473 1,705 (954 ) 722 — Total acquired loans 1,702 2,187 (1,932 ) 1,447 — Total $ 62,672 9,712 (26,333 ) 11,775 67,518 While we use available information to provide for losses, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review our allowance for loan losses. Such agencies may require us to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. Management believes, to the best of their knowledge, that all known losses as of the balance sheet dates have been recorded. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable as of December 31, 2017 : Recorded investment in loans receivable Allowance for loan losses Recorded investment in loans on nonaccrual (1) Recorded investment in loans 90 days or more past maturity and still accruing TDRs (1) Allowance for loan losses related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,776,203 3,955 14,791 — 8,000 815 — Home equity loans 1,310,355 4,834 8,907 120 1,716 462 4 Consumer finance loans 18,619 3,968 199 3 — — — Consumer loans 652,770 9,365 4,673 379 — — — Total Personal Banking 4,757,947 22,122 28,570 502 9,716 1,277 4 Commercial Banking: Commercial real estate loans 2,454,726 23,460 28,473 — 15,691 1,125 235 Commercial loans 580,736 11,213 7,412 — 6,697 742 8 Total Commercial Banking 3,035,462 34,673 35,885 — 22,388 1,867 243 Total $ 7,793,409 56,795 64,455 502 32,104 3,144 247 (1) Includes $12.3 million of nonaccrual TDRs. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable as of December 31, 2016 : Recorded investment in loans receivable Allowance for loan losses Recorded investment in loans on nonaccrual (1) Recorded TDRs (1) Allowance 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. A loan is considered to be impaired, when, based on current information and events it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement including both contractual principal and interest payments. This includes non-accrual loans, loans more than 90 days delinquent and still accruing interest, loans for which we perform an impairment review and TDRs. Impairment is measured using one of three methods: (1) the present value of expected future cash flows discounted at the loan’s effective interest rate; (2) the loan’s observable market price; or (3) the fair value of collateral if the loan is collateral dependent, less costs of sale or disposition. If the measure of the impaired loan is less than the recorded investment in the loan, a specific allowance is allocated for the impairment. The following table provides information related to the composition of impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2017 : 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 $ 13,509 1,282 — 6,814 21,605 21,531 892 Home equity loans 7,251 1,656 — 1,449 10,356 9,150 452 Consumer finance loans 199 — — — 199 379 20 Consumer loans 3,617 1,056 — — 4,673 4,042 188 Total Personal Banking 24,576 3,994 — 8,263 36,833 35,102 1,552 Commercial Banking: Commercial real estate loans 15,361 13,112 4,431 4,123 37,027 49,981 1,758 Commercial loans 3,140 4,272 906 2,447 10,765 12,110 672 Total Commercial Banking 18,501 17,384 5,337 6,570 47,792 62,091 2,430 Total $ 43,077 21,378 5,337 14,833 84,625 97,193 3,982 The following table provides information related to the composition of impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2016 : 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 composition of impaired loans by portfolio segment and by class of financing receivable at and for the year ended December 31, 2015 : 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 finance loans 792 — — — 792 768 29 Consumer loans 2,108 552 — — 2,660 2,209 72 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 as of and for the year ended December 31, 2017 : 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 $ 2,767,635 8,568 8,568 816 — Home equity loans 1,308,639 1,716 1,716 461 — Consumer finance loans 18,619 — — — — Consumer loans 652,685 85 85 25 — Total Personal Banking 4,747,578 10,369 10,369 1,302 — Commercial Banking: Commercial real estate loans 2,433,755 20,971 18,470 1,859 2,501 Commercial loans 571,412 9,324 8,572 829 752 Total Commercial Banking 3,005,167 30,295 27,042 2,688 3,253 Total $ 7,752,745 40,664 37,411 3,990 3,253 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable as of and for the year ended December 31, 2016 : 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 certain loans that have been modified in a TDR, where economic 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 typically are returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period of at least six consecutive 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: For the years ended December 31, 2017 2016 Number of Amount Number of Amount Beginning TDR balance: 225 $ 42,926 227 $ 51,115 New TDRs 24 5,450 34 6,365 Re-modified TDRs 5 2,099 7 3,414 Net paydowns (11,538 ) (9,037 ) Charge-offs: Residential mortgage loans 1 (77 ) — — Home equity loans 1 (48 ) — — Commercial real estate loans 2 (2,498 ) 1 (120 ) Commercial loans 6 (259 ) 2 (142 ) Paid-off loans: Residential mortgage loans — — 4 (151 ) Home equity loans 8 (62 ) 7 (534 ) Commercial real estate loans 15 (1,633 ) 12 (6,170 ) Commercial loans 11 (2,256 ) 10 (1,814 ) Ending TDR balance: 205 $ 32,104 225 $ 42,926 Accruing TDRs $ 19,819 $ 26,580 Non-accrual TDRs 12,285 16,346 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 year ended December 31, 2017 : Number of Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 8 $ 1,604 1,555 158 Home equity loans 3 152 148 40 Total Personal Banking 11 1,756 1,703 198 Commercial Banking: Commercial real estate loans 11 5,232 4,889 364 Commercial loans 7 561 526 37 Total Commercial Banking 18 5,793 5,415 401 Total 29 $ 7,549 7,118 599 Number of Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings modified within the previous twelve months that have subsequently defaulted: Personal Banking: Residential mortgage loans 1 $ 336 334 34 Home equity loans — — — — Total Personal Banking 1 336 334 34 Commercial Banking: Commercial real estate loans 2 438 426 35 Commercial loans — — — — Total Commercial Banking 2 438 426 35 Total 3 $ 774 760 69 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 year ended December 31, 2016 : Number of Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 7 $ 1,199 1,177 114 Home equity loans 7 475 471 110 Total Personal Banking 14 1,674 1,648 224 Commercial Banking: Commercial real estate loans 7 3,729 3,643 485 Commercial loans 20 4,376 2,218 508 Total Commercial Banking 27 8,105 5,861 993 Total 41 $ 9,779 7,509 1,217 Number of Recorded investment at the time of modification Current recorded investment Current allowance 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 1 429 425 31 Commercial loans 3 533 533 533 Total Business Banking 4 962 958 564 Total 4 $ 962 958 564 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 year ended December 31, 2015 : Number of Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 6 $ 364 357 21 Home equity loans 3 101 97 21 Total Personal Banking 9 465 454 42 Commercial Banking: Commercial real estate loans 11 12,258 12,243 1,047 Commercial loans 9 2,200 2,184 156 Total Commercial Banking 20 14,458 14,427 1,203 Total 29 $ 14,923 14,881 1,245 At December 31, 2015, no TDRs that were modified in the previous twelve months had subsequently defaulted. The following table provides information for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable during the year ended December 31, 2017 : Number of Type of modification contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 8 $ 359 — 8 1,188 1,555 Home equity loans 3 118 — — 30 148 Total Personal Banking 11 477 — 8 1,218 1,703 Commercial Banking: Commercial real estate loans 11 — 2,688 2,201 — 4,889 Commercial loans 7 — — 422 104 526 Total Commercial Banking 18 — 2,688 2,623 104 5,415 Total 29 $ 477 2,688 2,631 1,322 7,118 The following table provides information for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable during the year ended December 31, 2016 : Number of Type of modification contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 7 $ 358 — 771 48 1,177 Home equity loans 7 120 — 3 348 471 Total Personal Banking 14 478 — 774 396 1,648 Commercial Banking: Commercial real estate loans 7 — 425 1,980 1,238 3,643 Commercial loans 20 — 328 1,178 712 2,218 Total Commercial Banking 27 — 753 3,158 1,950 5,861 Total 41 $ 478 753 3,932 2,346 7,509 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the year ended December 31, 2017 : Number of re-modified Type of re-modification TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ 250 — — 429 679 Home equity loans 1 12 — — — 12 Total Personal Banking 3 262 — — 429 691 Commercial Banking: Commercial real estate loans 1 — — 1,299 — 1,299 Commercial loans 1 — — 83 — 83 Total Commercial Banking 2 — — 1,382 — 1,382 Total 5 $ 262 — 1,382 429 2,073 The following table provides information related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the year ended December 31, 2016 : Number of Type of re-modification TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity loans 1 — — — 192 192 Total Personal Banking 1 — — — 192 192 Commercial Banking: Commercial real estate loans 2 — — 1,329 173 1,502 Commercial loans 4 — 502 — — 502 Total Commercial Banking 6 — 502 1,329 173 2,004 Total 7 $ — 502 1,329 365 2,196 The following table provides information related to loan delinquencies as of December 31, 2017 : 30-59 days delinquent 60-89 days delinquent 90 days or greater delinquent Total delinquency Current Total loans 90 days or greater delinquent and accruing (1) Originated loans Personal Banking: Residential mortgage loans $ 23,786 6,030 12,613 42,429 2,619,951 2,662,380 — Home equity loans 6,094 2,333 6,043 14,470 1,037,088 1,051,558 — Consumer finance loans 2,128 1,113 199 3,440 15,179 18,619 — Consumer loans 9,762 2,834 3,274 15,870 537,496 553,366 — Total Personal Banking 41,770 12,310 22,129 76,209 4,209,714 4,285,923 — Commercial Banking: Commercial real estate loans 5,520 2,133 10,629 18,282 2,142,930 2,161,212 — Commercial loans 1,469 204 2,806 4,479 516,719 521,198 — Total Commercial Banking 6,989 2,337 13,435 22,761 2,659,649 2,682,410 — Total originated loans 48,759 14,647 35,564 98,970 6,869,363 6,968,333 — Acquired loans Personal Banking: Residential mortgage loans 1,998 205 1,277 3,480 110,343 113,823 381 Home equity loans 1,367 538 1,306 3,211 255,586 258,797 98 Consumer loans 1,150 517 353 2,020 97,384 99,404 10 Total Personal Banking 4,515 1,260 2,936 8,711 463,313 472,024 489 Commercial Banking: Commercial real estate loans 2,795 406 5,655 8,856 284,658 293,514 923 Commercial loans 396 237 334 967 58,571 59,538 — Total Commercial Banking 3,191 643 5,989 9,823 343,229 353,052 923 Total acquired loans 7,706 1,903 8,925 18,534 806,542 825,076 1,412 Total loans $ 56,465 16,550 44,489 117,504 7,675,905 7,793,409 1,412 (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 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 delinquencies as of December 31, 2016 : 30-59 days delinquent 60-89 days delinquent 90 days or greater delinquent Total delinquency Current Total loans 90 days or greater delinquent and accruing (1) Originated loans Personal Banking: Residential mortgage loans $ 26,212 5,806 12,792 44,810 2,519,845 2,564,655 — Home equity loans 5,785 1,305 4,783 11,873 1,031,040 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 loans 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 loans 6,278 2,029 7,297 15,604 1,029,672 1,045,276 2,824 Total loans $ 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 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 business loans individually by classifying the loans by credit risk. Relationships greater than or equal to $1.0 million classified as special mention or substandard are reviewed quarterly for further 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 complete loss seems very unlikely. The possibility of a loss on a doubtful loan is high, but because of certain important and reasonably specific pending factors that may strengthen the loan, its classification as an estimated loss is deferred until a more exact status can be determined. Loss — Loans classified as loss are considered uncollectible and of such value that the continuance as a loan is not warranted. A loss classification does not mean that the loan has no recovery or salvage value; instead, it means that it is not practical or desirable to defer writing off all or a portion of a basically worthless loan even though partial recovery may be affected in the future. The following table sets forth information about credit quality indicators as of December 31, 2017 : Pass Special mention Substandard Doubtful Loss Total Originated loans Personal Banking: Residential mortgage loans $ 2,645,475 — 16,905 — — 2,662,380 Home equity loans 1,042,965 — 8,593 — — 1,051,558 Consumer finance loans 18,420 — 199 — — 18,619 Con |