Loans receivable | Loans receivable The following table shows a summary of our loans receivable at June 30, 2018 and December 31, 2017 (in thousands): June 30, 2018 December 31, Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,690,904 104,008 2,794,912 2,658,726 113,823 2,772,549 Home equity loans 1,040,988 235,193 1,276,181 1,051,558 258,797 1,310,355 Consumer finance loans (2) 8,724 — 8,724 18,619 — 18,619 Consumer loans 602,021 74,037 676,058 540,832 97,877 638,709 Total Personal Banking 4,342,637 413,238 4,755,875 4,269,735 470,497 4,740,232 Commercial Banking: Commercial real estate loans 2,490,263 263,515 2,753,778 2,303,179 296,161 2,599,340 Commercial loans 617,377 56,906 674,283 572,341 60,822 633,163 Total Commercial Banking 3,107,640 320,421 3,428,061 2,875,520 356,983 3,232,503 Total loans receivable, gross 7,450,277 733,659 8,183,936 7,145,255 827,480 7,972,735 Deferred loan costs 29,097 1,090 30,187 26,255 1,527 27,782 Allowance for loan losses (51,138 ) (6,194 ) (57,332 ) (50,572 ) (6,223 ) (56,795 ) Undisbursed loan proceeds: Residential mortgage loans (8,288 ) — (8,288 ) (10,067 ) — (10,067 ) Commercial real estate loans (199,236 ) (1,319 ) (200,555 ) (141,967 ) (2,647 ) (144,614 ) Commercial loans (61,750 ) (1,160 ) (62,910 ) (51,143 ) (1,284 ) (52,427 ) Total loans receivable, net $ 7,158,962 726,076 7,885,038 6,917,761 818,853 7,736,614 (1) Includes $0 and $3.1 million of loans held for sale at June 30, 2018 and December 31, 2017 , respectively. (2) Represents loans from our consumer finance subsidiary that was closed in 2017, 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): June 30, December 31, Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 8,674 9,735 Carrying value 6,050 6,875 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 731,270 824,205 Carrying value 726,220 818,201 Total acquired loans: Outstanding principal balance 739,944 833,940 Carrying value 732,270 825,076 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, 2016 $ 2,187 Accretion (1,318 ) Net reclassification from nonaccretable yield 671 Balance at December 31, 2017 1,540 Accretion (423 ) Net reclassification from nonaccretable yield — Balance at June 30, 2018 $ 1,117 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, 2018 (in thousands): Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income recognized Personal Banking: Residential mortgage loans $ 1,112 1,765 13 1,147 91 Home equity loans 1,031 1,994 8 1,087 98 Consumer loans 37 109 4 48 24 Total Personal Banking 2,180 3,868 25 2,282 213 Commercial Banking: Commercial real estate loans 3,792 4,721 1 4,090 204 Commercial loans 78 85 — 90 6 Total Commercial Banking 3,870 4,806 1 4,180 210 Total $ 6,050 8,674 26 6,462 423 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, 2017 (in thousands): Carrying Outstanding Related Average Interest 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 the allowance for loan losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2018 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,657 157 (310 ) 86 3,724 Home equity loans 3,839 272 (241 ) 91 3,717 Consumer finance loans 2,354 (370 ) (486 ) 179 3,031 Consumer loans 9,760 2,543 (2,623 ) 700 9,140 Total Personal Banking 19,610 2,602 (3,660 ) 1,056 19,612 Commercial Banking: Commercial real estate loans 21,019 991 (343 ) 153 20,218 Commercial loans 10,509 1,373 (311 ) 154 9,293 Total Commercial Banking 31,528 2,364 (654 ) 307 29,511 Total originated loans 51,138 4,966 (4,314 ) 1,363 49,123 Acquired loans: Personal Banking: Residential mortgage loans 170 74 (79 ) 86 89 Home equity loans 662 56 (165 ) 43 728 Consumer loans 915 139 (59 ) 28 807 Total Personal Banking 1,747 269 (303 ) 157 1,624 Commercial Banking: Commercial real estate loans 3,422 (27 ) (96 ) 115 3,430 Commercial loans 1,025 141 (180 ) 30 1,034 Total Commercial Banking 4,447 114 (276 ) 145 4,464 Total acquired loans 6,194 383 (579 ) 302 6,088 Total $ 57,332 5,349 (4,893 ) 1,665 55,211 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 finance loans 3,957 679 (782 ) 103 3,957 Consumer loans 5,790 1,508 (2,611 ) 421 6,472 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 six months ended June 30, 2018 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 3,657 187 (506 ) 152 3,824 Home equity loans 3,839 187 (542 ) 122 4,072 Consumer finance loans 2,354 (32 ) (2,039 ) 457 3,968 Other consumer loans 9,760 5,822 (5,799 ) 1,262 8,475 Total Personal Banking 19,610 6,164 (8,886 ) 1,993 20,339 Commercial Banking: Commercial real estate loans 21,019 1,694 (883 ) 297 19,911 Commercial loans 10,509 1,035 (1,140 ) 292 10,322 Total Commercial Banking 31,528 2,729 (2,023 ) 589 30,233 Total originated loans 51,138 8,893 (10,909 ) 2,582 50,572 Acquired loans: Personal Banking: Residential mortgage loans 170 32 (84 ) 91 131 Home equity loans 662 258 (475 ) 117 762 Other consumer loans 915 85 (132 ) 72 890 Total Personal Banking 1,747 375 (691 ) 280 1,783 Commercial Banking: Commercial real estate loans 3,422 (157 ) (107 ) 137 3,549 Commercial loans 1,025 447 (376 ) 63 891 Total Commercial Banking 4,447 290 (483 ) 200 4,440 Total acquired loans 6,194 665 (1,174 ) 480 6,223 Total $ 57,332 9,558 (12,083 ) 3,062 56,795 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 Personal Banking: Residential mortgage loans $ 4,635 184 (467 ) 262 4,656 Home equity loans 2,957 (112 ) (518 ) 101 3,486 Consumer finance loans 3,957 1,369 (1,578 ) 209 3,445 Other consumer loans 5,790 6,168 (5,068 ) 673 4,529 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 $ 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 loan portfolio by portfolio segment and by class of financing receivable at June 30, 2018 (in thousands): Total loans receivable Allowance for loan losses Nonaccrual loans (1) Loans past due 90 days or more and still accruing (2) TDRs Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,800,668 3,827 13,248 — 7,595 743 — Home equity loans 1,276,181 4,501 7,670 59 1,901 501 6 Consumer finance loans 8,724 2,354 15 — — — — Consumer loans 692,201 10,675 3,230 35 — — — Total Personal Banking 4,777,774 21,357 24,163 94 9,496 1,244 6 Commercial Banking: Commercial real estate loans 2,553,223 24,441 32,635 — 16,251 1,066 180 Commercial loans 611,373 11,534 5,915 — 4,915 569 19 Total Commercial Banking 3,164,596 35,975 38,550 — 21,166 1,635 199 Total $ 7,942,370 57,332 62,713 94 30,662 2,879 205 (1) Includes $10.9 million of nonaccrual TDRs. (2) Represents loans 90 days or more past maturity and still accruing. The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 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 Allowance 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. (2) Represents loans 90 days or more past maturity and still accruing. The following table provides information related to the composition of originated impaired loans by portfolio segment and by class of financing receivable at and for the six months ended June 30, 2018 (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 $ 11,822 1,426 505 6,482 20,235 19,964 442 Home equity loans 6,729 941 — 1,538 9,208 9,558 257 Consumer finance loan 15 — — — 15 28 3 Consumer loans 2,626 604 — — 3,230 3,729 103 Total Personal Banking 21,192 2,971 505 8,020 32,688 33,279 805 Commercial Banking: Commercial real estate loans 15,617 17,018 3,331 5,191 41,157 38,348 756 Commercial loans 2,925 2,990 200 2,775 8,890 9,233 236 Total Commercial Banking 18,542 20,008 3,531 7,966 50,047 47,581 992 Total $ 39,734 22,979 4,036 15,986 82,735 80,860 1,797 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, 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 $ 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 At June 30, 2018 , 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 evaluation of impaired loans by portfolio segment and by class of financing receivable at June 30, 2018 (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 $ 2,792,506 8,162 8,162 760 — Home equity loans 1,274,280 1,901 1,901 502 — Consumer finance loans 8,724 — — — — Consumer loans 692,157 44 44 8 — Total Personal Banking 4,767,667 10,107 10,107 1,270 — Commercial Banking: Commercial real estate loans 2,531,376 21,847 18,807 1,799 3,040 Commercial loans 604,769 6,604 4,982 587 1,622 Total Commercial Banking 3,136,145 28,451 23,789 2,386 4,662 Total $ 7,903,812 38,558 33,896 3,656 4,662 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at December 31, 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 $ 2,767,635 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 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 (dollars in thousands): For the quarter ended June 30, 2018 2017 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 200 $ 30,966 224 $ 43,578 New TDRs 10 861 1 348 Re-modified TDRs — — 1 445 Net paydowns (875 ) (1,458 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans — — — — Commercial loans — — 5 (158 ) Paid-off loans: Residential mortgage loans 1 (6 ) — — Home equity loans 1 (35 ) 4 (32 ) Commercial real estate loans 3 (249 ) 8 (480 ) Commercial loans — — 5 (383 ) Ending TDR balance: 205 $ 30,662 203 $ 41,860 Accruing TDRs $ 19,802 $ 23,987 Non-accrual TDRs 10,860 17,873 The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands): For the six months ended June 30, 2018 2017 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 205 $ 32,104 225 $ 42,926 New TDRs 19 5,796 7 4,139 Re-modified TDRs — — 1 445 Net paydowns (1,822 ) (2,681 ) Charge-offs: Residential mortgage loans 1 (135 ) — — Home equity loans — — — — Commercial real estate loans 1 (203 ) — — Commercial loans 1 (721 ) 6 (259 ) Paid-off loans: Residential mortgage loans 2 (255 ) — — Home equity loans 2 (47 ) 5 (32 ) Commercial real estate loans 7 (1,823 ) 10 (545 ) Commercial loans 5 (2,232 ) 8 (2,133 ) Ending TDR balance: 205 $ 30,662 203 $ 41,860 Accruing TDRs $ 19,802 $ 23,987 Non-accrual TDRs 10,860 17,873 The following tables provide 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, 2018 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 $ 60 59 6 4 $ 273 272 27 Home equity loans 5 177 137 37 8 317 275 74 Total Personal Banking 7 237 196 43 12 590 547 101 Commercial Banking: Commercial real estate loans 1 481 481 33 2 2,883 2,852 33 Commercial loans 2 143 142 10 5 2,323 1,508 10 Total Commercial Banking 3 624 623 43 7 5,206 4,360 43 Total 10 $ 861 819 86 19 $ 5,796 4,907 144 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 — — — — — — — — 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, 2018 and 2017, no TDRs modified within the previous twelve months have subsequently defaulted. The following table provides information as of June 30, 2018 for troubled debt restructurings (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2018 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ 7 — — 52 59 Home equity loans 5 — — 51 86 137 Total Personal Banking 7 7 — 51 138 196 Commercial Banking: Commercial real estate loans 1 — 481 — — 481 Commercial loans 2 — — 142 — 142 Total Commercial Banking 3 — 481 142 — 623 Total 10 $ 7 481 193 138 819 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 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 — — — — — — 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, 2018 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, 2018 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 4 $ 7 — 178 87 272 Home equity loans 8 29 — 51 195 275 Total Personal Banking 12 36 — 229 282 547 Commercial Banking: Commercial real estate loans 2 — 481 — 2,371 2,852 Commercial loans 5 — — 142 1,366 1,508 Total Commercial Banking 7 — 481 142 3,737 4,360 Total 19 $ 36 481 371 4,019 4,907 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 — — — — — — 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 During the six month ended ended June 30, 2018 , no TDRs were re-modified. During the six months ended June 30, 2017 , one residential mortgage TDR was re-modified. The following table provides information related to loan payment delinquencies at June 30, 2018 (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 $ 1,519 5,539 10,544 17,602 2,679,058 2,696,660 — Home equity loans 5,223 1,757 5,890 12,870 1,028,118 1,040,988 — Consumer finance loans 711 277 15 1,003 7,721 8,724 — Consumer loans 8,117 2,421 2,287 12,825 604,249 617,074 — Total Personal Banking 15,570 9,994 18,736 44,300 4,319,146 4,363,446 — Commercial Banking: Commercial real estate loans 2,854 2,318 12,550 17,722 2,273,305 2,291,027 — Commercial loans 892 337 2,734 3,963 551,664 555,627 — Total Commercial Banking 3,746 2,655 15,284 21,685 2,824,969 2,846,654 — Total originated loans 19,316 12,649 34,020 65,985 7,144,115 7,210,100 — Acquired loans: Personal Banking: Residential mortgage loans 42 308 1,749 2,099 101,909 104,008 471 Home equity loans 1,160 738 878 2,776 232,417 235,193 39 Consumer loans 738 233 346 1,317 73,810 75,127 7 Total Personal Banking 1,940 1,279 2,973 6,192 408,136 414,328 517 Commercial Banking: Commercial real estate loans 3,044 1,371 3,222 7,637 254,559 262,196 155 Commercial loans 108 589 191 888 54,858 55,746 — Total Commercial Banking 3,152 1,960 3,413 8,525 309,417 317,942 155 Total acquired loans 5,092 3,239 6,386 14,717 717,553 732,270 672 Total loans $ 24,408 15,888 40,406 80,702 7,861,668 7,942,370 672 (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, 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 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 loan 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 loan 7,706 1,903 8,925 18,534 806,542 825,076 1,412 Total $ 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. 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 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 possible in the future. The following table sets forth information about credit quality indicators updated during the quarter ended June 30, 2018 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable Originated loans: Personal Banking: Residential mortgage loans $ 2,688,199 — 8,461 — — 2,696,660 Home equity loans 1,034,815 — 6,173 — — 1,040,988 Consumer finance loans 8,709 — 15 — — 8,724 Consumer loans 614,373 — 2,701 — — 617,074 Total Personal Banking 4,346,096 — 17,350 — — 4,363,446 Commercial Banking: Commercial real estate loans 2,071,907 59,944 159,176 — — 2,291,027 Commercial loans 509,937 14,352 31,338 — — 555,627 Total Commercial Banking 2,581,844 74,296 190,514 — — 2,846,654 Total originated loans 6,927,940 74,296 207,864 — — 7,210,100 Acquired loans: Personal Banking: Residential mortgage loans 102,707 — 1,301 — — 104,008 Home equity loans 234,069 — 1,124 — — 235,193 Consumer loans 74,479 — 648 — — 75,127 Total Personal Banking 411,255 — 3,073 — — 414,328 Commercial Banking: Commercial real estate loans 222,420 5,754 34,022 — — 262,196 Commercial loans 44,558 3,788 7,400 — — 55,746 Total Commercial Banking 266,978 9,542 41,422 — — 317,942 Total acquired loans 678,233 9,542 44,495 — — 732,270 Total loans $ 7,606,173 83,838 252,359 — — 7,942,370 The following table sets forth information about credit quality indicators, which were updated during the year ended December 31, 2017 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable 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 Consumer loans 549,550 — 3,816 |