Loans receivable | Loans receivable The following table shows a summary of our loans receivable at September 30, 2018 and December 31, 2017 (in thousands): September 30, December 31, Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,745,190 97,822 2,843,012 2,658,726 113,823 2,772,549 Home equity loans 1,048,373 223,972 1,272,345 1,051,558 258,797 1,310,355 Consumer finance loans (2) 5,888 — 5,888 18,619 — 18,619 Consumer loans 685,252 66,284 751,536 540,832 97,877 638,709 Total Personal Banking 4,484,703 388,078 4,872,781 4,269,735 470,497 4,740,232 Commercial Banking: Commercial real estate loans 2,477,581 241,307 2,718,888 2,303,179 296,161 2,599,340 Commercial loans 594,939 51,164 646,103 572,341 60,822 633,163 Total Commercial Banking 3,072,520 292,471 3,364,991 2,875,520 356,983 3,232,503 Total loans receivable, gross 7,557,223 680,549 8,237,772 7,145,255 827,480 7,972,735 Deferred loan costs 32,846 936 33,782 26,255 1,527 27,782 Allowance for loan losses (51,473 ) (4,502 ) (55,975 ) (50,572 ) (6,223 ) (56,795 ) Undisbursed loan proceeds: Residential mortgage loans (11,335 ) — (11,335 ) (10,067 ) — (10,067 ) Commercial real estate loans (200,152 ) (670 ) (200,822 ) (141,967 ) (2,647 ) (144,614 ) Commercial loans (62,175 ) (1,160 ) (63,335 ) (51,143 ) (1,284 ) (52,427 ) Total loans receivable, net $ 7,264,934 675,153 7,940,087 6,917,761 818,853 7,736,614 (1) Includes $0 and $3.1 million of loans held for sale at September 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): September 30, December 31, Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 8,446 9,735 Carrying value 5,871 6,875 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 678,540 824,205 Carrying value 673,784 818,201 Total acquired loans: Outstanding principal balance 686,986 833,940 Carrying value 679,655 825,076 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 (588 ) Net reclassification from nonaccretable yield — Balance at September 30, 2018 $ 952 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, 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 $ 1,099 1,741 13 1,140 135 Home equity loans 1,019 1,977 7 1,081 127 Consumer loans 32 95 4 46 31 Total Personal Banking 2,150 3,813 24 2,267 293 Commercial Banking: Commercial real estate loans 3,643 4,548 1 4,015 287 Commercial loans 78 85 — 91 8 Total Commercial Banking 3,721 4,633 1 4,106 295 Total $ 5,871 8,446 25 6,373 588 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 September 30, 2018 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,144 491 (204 ) 200 3,657 Home equity loans 3,234 (351 ) (323 ) 69 3,839 Consumer finance loans 1,650 (437 ) (445 ) 178 2,354 Consumer loans 11,021 4,023 (3,392 ) 630 9,760 Total Personal Banking 20,049 3,726 (4,364 ) 1,077 19,610 Commercial Banking: Commercial real estate loans 25,694 8,723 (4,820 ) 772 21,019 Commercial loans 5,730 (3,945 ) (914 ) 80 10,509 Total Commercial Banking 31,424 4,778 (5,734 ) 852 31,528 Total originated loans 51,473 8,504 (10,098 ) 1,929 51,138 Acquired loans: Personal Banking: Residential mortgage loans 102 (70 ) (10 ) 12 170 Home equity loans 408 (173 ) (103 ) 22 662 Consumer loans 444 (448 ) (78 ) 55 915 Total Personal Banking 954 (691 ) (191 ) 89 1,747 Commercial Banking: Commercial real estate loans 2,876 (532 ) (39 ) 25 3,422 Commercial loans 672 (299 ) (71 ) 17 1,025 Total Commercial Banking 3,548 (831 ) (110 ) 42 4,447 Total acquired loans 4,502 (1,522 ) (301 ) 131 6,194 Total $ 55,975 6,982 (10,399 ) 2,060 57,332 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 nine months ended September 30, 2018 (in thousands): Balance Current period provision Charge-offs Recoveries Balance Originated loans: Personal Banking: Residential mortgage loans $ 4,144 678 (710 ) 352 3,824 Home equity loans 3,234 (164 ) (866 ) 192 4,072 Consumer finance loans 1,650 (469 ) (2,484 ) 635 3,968 Other consumer loans 11,021 9,845 (9,192 ) 1,893 8,475 Total Personal Banking 20,049 9,890 (13,252 ) 3,072 20,339 Commercial Banking: Commercial real estate loans 25,694 10,417 (5,702 ) 1,068 19,911 Commercial loans 5,730 (2,912 ) (2,053 ) 373 10,322 Total Commercial Banking 31,424 7,505 (7,755 ) 1,441 30,233 Total originated loans 51,473 17,395 (21,007 ) 4,513 50,572 Acquired loans: Personal Banking: Residential mortgage loans 102 (38 ) (94 ) 103 131 Home equity loans 408 85 (578 ) 139 762 Other consumer loans 444 (363 ) (209 ) 126 890 Total Personal Banking 954 (316 ) (881 ) 368 1,783 Commercial Banking: Commercial real estate loans 2,876 (688 ) (147 ) 162 3,549 Commercial loans 672 149 (448 ) 80 891 Total Commercial Banking 3,548 (539 ) (595 ) 242 4,440 Total acquired loans 4,502 (855 ) (1,476 ) 610 6,223 Total $ 55,975 16,540 (22,483 ) 5,123 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 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 Other 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 Other 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 loan portfolio by portfolio segment and by class of financing receivable at September 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 $ 2,846,834 4,246 14,585 — 7,668 778 — Home equity loans 1,272,345 3,642 7,085 72 2,061 497 4 Consumer finance loans 5,888 1,650 39 — — — — Consumer loans 770,161 11,465 4,307 123 — — — Total Personal Banking 4,895,228 21,003 26,016 195 9,729 1,275 4 Commercial Banking: Commercial real estate loans 2,518,066 28,570 43,023 — 15,667 1,516 208 Commercial loans 582,768 6,402 5,188 — 3,751 276 209 Total Commercial Banking 3,100,834 34,972 48,211 — 19,418 1,792 417 Total $ 7,996,062 55,975 74,227 195 29,147 3,067 421 (1) Includes $9.8 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 nine months ended September 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 $ 13,154 1,431 505 6,349 21,439 20,499 659 Home equity loans 5,838 1,247 — 1,812 8,897 9,250 375 Consumer finance loan 39 — — — 39 25 4 Consumer loans 3,535 772 — — 4,307 3,835 166 Total Personal Banking 22,566 3,450 505 8,161 34,682 33,609 1,204 Commercial Banking: Commercial real estate loans 27,122 15,901 22,583 5,114 70,720 39,985 1,195 Commercial loans 2,714 2,474 223 2,305 7,716 8,910 392 Total Commercial Banking 29,836 18,375 22,806 7,419 78,436 48,895 1,587 Total $ 52,402 21,825 23,311 15,580 113,118 82,504 2,791 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 September 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 September 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 $ 2,838,600 8,234 8,234 795 — Home equity loans 1,270,284 2,061 2,061 497 — Consumer finance loans 5,888 — — — — Consumer loans 770,125 36 36 7 — Total Personal Banking 4,884,897 10,331 10,331 1,299 — Commercial Banking: Commercial real estate loans 2,462,663 55,403 27,924 2,877 27,479 Commercial loans 577,023 5,745 4,328 475 1,417 Total Commercial Banking 3,039,686 61,148 32,252 3,352 28,896 Total $ 7,924,583 71,479 42,583 4,651 28,896 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 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, in accordance with 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 September 30, 2018 2017 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 205 $ 30,662 203 $ 41,860 New TDRs 7 647 6 546 Re-modified TDRs 3 306 2 265 Net paydowns (1,215 ) (987 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans 1 (91 ) 2 (2,498 ) Commercial loans 5 (619 ) — — Paid-off loans: Residential mortgage loans 2 (2 ) — — Home equity loans 2 (12 ) 3 (30 ) Commercial real estate loans 2 (360 ) 1 (564 ) Commercial loans 3 (169 ) 2 (123 ) Ending TDR balance: 197 $ 29,147 201 $ 38,469 Accruing TDRs $ 19,370 $ 20,660 Non-accrual TDRs 9,777 17,809 The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands): For the nine months ended September 30, 2018 2017 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 205 $ 32,104 225 $ 42,926 New TDRs 26 6,443 13 4,685 Re-modified TDRs 3 306 3 710 Net paydowns (3,037 ) (3,668 ) Charge-offs: Residential mortgage loans 1 (135 ) — — Home equity loans — — — — Commercial real estate loans 2 (294 ) 2 (2,498 ) Commercial loans 6 (1,340 ) 6 (259 ) Paid-off loans: Residential mortgage loans 4 (257 ) — — Home equity loans 4 (59 ) 8 (62 ) Commercial real estate loans 9 (2,183 ) 11 (1,109 ) Commercial loans 8 (2,401 ) 10 (2,256 ) Ending TDR balance: 197 $ 29,147 201 $ 38,469 Accruing TDRs $ 19,370 $ 20,660 Non-accrual TDRs 9,777 17,809 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 nine months ended 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 $ 342 342 35 6 $ 616 612 62 Home equity loans 4 194 193 47 12 511 462 113 Total Personal Banking 6 536 535 82 18 1,127 1,074 175 Commercial Banking: Commercial real estate loans 3 372 361 42 5 3,255 3,198 97 Commercial loans 1 45 45 5 6 2,367 1,484 21 Total Commercial Banking 4 417 406 47 11 5,622 4,682 118 Total 10 $ 953 941 129 29 $ 6,749 5,756 293 During the quarter and nine months ended September 30, 2018 , no TDRs modified within the previous twelve months have subsequently defaulted. 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 nine months ended 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 as of September 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 September 30, 2018 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ — — 342 342 Home equity loans 4 193 — — 193 Total Personal Banking 6 193 — 342 — 535 Commercial Banking: Commercial real estate loans 3 — — 361 361 Commercial loans 1 — — 45 45 Total Commercial Banking 4 — — 406 — 406 Total 10 $ 193 — 748 — 941 The following table provides information as of September 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 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, 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 nine months ended September 30, 2018 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 6 $ 7 — 519 86 612 Home equity loans 12 222 — 47 193 462 Total Personal Banking 18 229 — 566 279 1,074 Commercial Banking: Commercial real estate loans 5 — 482 361 2,355 3,198 Commercial loans 6 — — 183 1,301 1,484 Total Commercial Banking 11 — 482 544 3,656 4,682 Total 29 $ 229 482 1,110 3,935 5,756 The following table provides information as of September 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 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 During the nine months ended September 30, 2018 , three commercial banking TDRs were re-modified. During the nine months ended September 30, 2017 , three personal banking TDRs were re-modified. The following table provides information related to loan payment delinquencies at September 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 $ 1,404 4,392 11,695 17,491 2,731,521 2,749,012 — Home equity loans 4,622 2,118 5,013 11,753 1,036,620 1,048,373 — Consumer finance loans 632 234 39 905 4,983 5,888 — Consumer loans 7,893 3,032 3,166 14,091 688,850 702,941 — Total Personal Banking 14,551 9,776 19,913 44,240 4,461,974 4,506,214 — Commercial Banking: Commercial real estate loans 2,329 5,370 21,771 29,470 2,247,959 2,277,429 — Commercial loans 340 807 2,112 3,259 529,505 532,764 — Total Commercial Banking 2,669 6,177 23,883 32,729 2,777,464 2,810,193 — Total originated loans 17,220 15,953 43,796 76,969 7,239,438 7,316,407 — Acquired loans: Personal Banking: Residential mortgage loans 96 312 1,788 2,196 95,626 97,822 329 Home equity loans 1,051 418 825 2,294 221,678 223,972 — Consumer loans 515 219 375 1,109 66,111 67,220 6 Total Personal Banking 1,662 949 2,988 5,599 383,415 389,014 335 Commercial Banking: Commercial real estate loans 3,057 1,308 5,457 9,822 230,815 240,637 106 Commercial loans 282 297 602 1,181 48,823 50,004 — Total Commercial Banking 3,339 1,605 6,059 11,003 279,638 290,641 106 Total acquired loans 5,001 2,554 9,047 16,602 663,053 679,655 441 Total loans $ 22,221 18,507 52,843 93,571 7,902,491 7,996,062 441 (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 September 30, 2018 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable Originated loans: Personal Banking: Residential mortgage loans $ 2,739,243 — 9,769 — — 2,749,012 Home equity loans 1,042,627 — 5,746 — — 1,048,373 Consumer finance loans 5,849 — 39 — — 5,888 Consumer loans 699,033 — 3,908 — — 702,941 Total Personal Banking 4,486,752 — 19,462 — — 4,506,214 Commercial Banking: Commercial real estate loans 2,083,302 47,983 146,144 — — 2,277,429 Commercial loans 487,143 21,120 24,501 — — 532,764 Total Commercial Banking 2,570,445 69,103 170,645 — — 2,810,19 |