Loans Receivable and Allowance for Loan Losses | Loans Receivable and Allowance for Loan Losses Loans receivable at December 31, 2018 and 2017 are summarized in the table below: December 31, 2018 December 31, 2017 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,766,430 93,782 2,860,212 2,658,726 113,823 2,772,549 Home equity loans 1,043,878 214,544 1,258,422 1,051,558 258,797 1,310,355 Consumer finance loans (2) 3,817 — 3,817 18,619 — 18,619 Consumer loans 775,378 58,671 834,049 540,832 97,877 638,709 Total Personal Banking 4,589,503 366,997 4,956,500 4,269,735 470,497 4,740,232 Commercial Banking: Commercial real estate loans 2,416,047 223,327 2,639,374 2,303,179 296,161 2,599,340 Commercial loans 612,962 48,816 661,778 572,341 60,822 633,163 Total Commercial Banking 3,029,009 272,143 3,301,152 2,875,520 356,983 3,232,503 Total loans receivable, gross 7,618,512 639,140 8,257,652 7,145,255 827,480 7,972,735 Deferred loan costs 36,820 798 37,618 26,255 1,527 27,782 Allowance for loan losses (51,751 ) (3,463 ) (55,214 ) (50,572 ) (6,223 ) (56,795 ) Undisbursed loan proceeds: Residential mortgage loans (11,513 ) — (11,513 ) (10,067 ) — (10,067 ) Commercial real estate loans (167,029 ) (524 ) (167,553 ) (141,967 ) (2,647 ) (144,614 ) Commercial loans (63,605 ) (1,160 ) (64,765 ) (51,143 ) (1,284 ) (52,427 ) Total loans receivable, net $ 7,361,434 634,791 7,996,225 6,917,761 818,853 7,736,614 (1) Includes $0 and $3.1 million of loans held for sale at December 31, 2018 and 2017 , respectively. (2) Represents loans from our consumer finance subsidiary that was closed in 2017 which are no longer being originated. As of December 31, 2018 , 2017 and 2016 , we serviced loans for others approximating $794.2 million , $887.3 million and $918.9 million , respectively. These loans serviced for others are not our assets and are not included in our financial statements. As of December 31, 2018 and 2017 , approximately 58% and 60% , 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, 2018 and 2017 include $2.810 billion and $2.856 billion , respectively, of adjustable rate loans and $5.448 billion and $5.117 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, 2018 2017 Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 8,189 9,735 Carrying value 5,690 6,875 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 637,170 824,205 Carrying value 632,564 818,201 Total acquired loans: Outstanding principal balance 645,359 833,940 Carrying value 638,254 825,076 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: 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 (785 ) Net reclassification from nonaccretable yield — Balance at December 31, 2018 $ 755 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, 2018 : Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income/ accretion recognized Personal Banking: Residential mortgage loans $ 990 1,598 6 1,294 226 Home equity loans 1,008 1,959 7 1,483 157 Consumer loans 29 76 4 53 35 Total Personal Banking 2,027 3,633 17 2,830 418 Commercial Banking: Commercial real estate loans 3,584 4,471 1 4,028 358 Commercial loans 79 85 — 82 9 Total Commercial Banking 3,663 4,556 1 4,110 367 Total $ 5,690 8,189 18 6,940 785 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 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 changes in the allowance for loan losses for the year ended December 31, 2018 : Balance Provision Charge-offs Recoveries Balance Originated loans Personal Banking: Residential mortgage loans $ 4,054 808 (1,067 ) 489 3,824 Home equity loans 3,184 (25 ) (1,183 ) 320 4,072 Consumer finance loans 676 (1,282 ) (2,813 ) 803 3,968 Consumer loans 10,404 12,151 (12,861 ) 2,639 8,475 Total Personal Banking 18,318 11,652 (17,924 ) 4,251 20,339 Commercial Banking: Commercial real estate loans 26,379 11,349 (6,096 ) 1,215 19,911 Commercial loans 7,054 (2,062 ) (2,675 ) 1,469 10,322 Total Commercial Banking 33,433 9,287 (8,771 ) 2,684 30,233 Total originated loans 51,751 20,939 (26,695 ) 6,935 50,572 Acquired loans Personal Banking: Residential mortgage loans 83 (61 ) (112 ) 125 131 Home equity loans 348 (23 ) (602 ) 211 762 Consumer loans 419 (335 ) (291 ) 155 890 Total Personal Banking 850 (419 ) (1,005 ) 491 1,783 Commercial Banking: Commercial real estate loans 1,996 (467 ) (1,291 ) 205 3,549 Commercial loans 617 279 (650 ) 97 891 Total Commercial Banking 2,613 (188 ) (1,941 ) 302 4,440 Total acquired loans 3,463 (607 ) (2,946 ) 793 6,223 Total $ 55,214 20,332 (29,641 ) 7,728 56,795 The following table provides information related to changes in the allowance for loan losses 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 loan losses 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 Other consumer loans 653 1,072 (680 ) 151 110 Total Personal Banking 1,771 3,283 (2,381 ) 640 229 Business Banking: Commercial real estate loans 3,008 2,116 (1,337 ) 790 1,439 Commercial loans 867 877 (52 ) 8 34 Total Business 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 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, 2018 : 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 $ 2,864,470 4,137 15,848 — 5,382 993 — Home equity loans 1,258,422 3,532 7,075 136 4,502 1,520 4 Consumer finance loans 3,817 676 22 3 — — — Consumer loans 855,896 10,823 4,300 27 — — — Total Personal Banking 4,982,605 19,168 27,245 166 9,884 2,513 4 Commercial Banking: Commercial real estate loans 2,471,821 28,375 36,935 — 19,859 313 310 Commercial loans 597,013 7,671 8,101 — 3,865 263 74 Total Commercial Banking 3,068,834 36,046 45,036 — 23,724 576 384 Total $ 8,051,439 55,214 72,281 166 33,608 3,089 388 (1) Includes $15.3 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, 2017 : 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 $ 2,776,203 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. 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, 2018 : 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 $ 12,965 2,883 — 6,660 22,508 20,733 910 Home equity loans 5,996 1,079 — 1,818 8,893 9,075 511 Consumer finance loans 22 — — — 22 24 Consumer loans 3,228 1,072 — — 4,300 3,992 235 Total Personal Banking 22,211 5,034 — 8,478 35,723 33,824 1,656 Commercial Banking: Commercial real estate loans 25,509 11,426 8,549 4,435 49,919 41,328 1,599 Commercial loans 3,010 5,091 2,453 2,087 12,641 9,186 507 Total Commercial Banking 28,519 16,517 11,002 6,522 62,560 50,514 2,106 Total $ 50,730 21,551 11,002 15,000 98,283 84,338 3,762 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 evaluation of impaired loans by portfolio segment and by class of financing receivable as of and for the year ended December 31, 2018 : 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 $ 2,856,359 8,111 8,111 747 — Home equity loans 1,256,255 2,167 2,167 523 — Consumer finance loans 3,817 — — — — Consumer loans 855,867 29 29 6 — Total Personal Banking 4,972,298 10,307 10,307 1,276 — Commercial Banking: Commercial real estate loans 2,436,605 35,216 31,830 6,499 3,386 Commercial loans 588,932 8,081 6,738 767 1,343 Total Commercial Banking 3,025,537 43,297 38,568 7,266 4,729 Total $ 7,997,835 53,604 48,875 8,542 4,729 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 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, 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: For the years ended December 31, 2018 2017 Number of Amount Number of Amount Beginning TDR balance: 205 $ 32,104 225 $ 42,926 New TDRs 29 1,800 24 5,450 Re-modified TDRs 6 3,086 5 2,099 Net paydowns (6,606 ) (11,538 ) Charge-offs: Residential mortgage loans 1 (135 ) 1 (77 ) Home equity loans — — 1 (48 ) Commercial real estate loans 2 (294 ) 2 (2,498 ) Commercial loans 7 (1,345 ) 6 (259 ) Paid-off loans: Residential mortgage loans 5 258 — — Home equity loans 5 83 8 (62 ) Commercial real estate loans 10 2,254 15 (1,633 ) Commercial loans 9 2,403 11 (2,256 ) Ending TDR balance: 195 $ 33,608 205 $ 32,104 Accruing TDRs $ 18,302 $ 19,819 Non-accrual TDRs 15,306 12,285 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, 2018 : Number of Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 9 $ 754 749 72 Home equity loans 17 636 610 150 Total Personal Banking 26 1,390 1,359 222 Commercial Banking: Commercial real estate loans 5 3,157 3,114 169 Commercial loans 4 339 342 69 Total Commercial Banking 9 3,496 3,456 238 Total 35 $ 4,886 4,815 460 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 The following table provides information related to troubled debt restructurings (including re-modified TDRs) that have subsequently defaulted 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 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 Business 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 contracts 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 — — — — Consumer loans — — — — Total Personal Banking — — — — Commercial Banking: Commercial real estate loans 1 429 425 31 Commercial loans 3 533 533 533 Total Commercial Banking 4 962 958 564 4 $ 962 958 564 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, 2018 : Number of Type of modification contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 9 $ 7 326 330 86 749 Home equity loans 17 64 264 90 192 610 Total Personal Banking 26 71 590 420 278 1,359 Commercial Banking: Commercial real estate loans 5 — — 3,114 — 3,114 Commercial loans 4 — — 342 — 342 Total Commercial Banking 9 — — 3,456 — 3,456 Total 35 $ 71 590 3,876 278 4,815 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 related to re-modified troubled debt restructurings by portfolio segment and by class of financing receivable for the year ended December 31, 2018 : Number of re-modified Type of re-modification TDRs Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans — $ — — — — — Home equity loans — — — — — — Total Personal Banking — — — — — — Commercial Banking: Commercial real estate loans 3 — — 2,854 — 2,854 Commercial loans 3 — — 192 — 192 Total Commercial Banking 6 — — 3,046 — 3,046 Total 6 $ — — 3,046 — 3,046 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 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 loan delinquencies as of December 31, 2018 : 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 $ 27,245 5,732 11,668 44,645 2,714,474 2,759,119 — Home equity loans 6,810 1,771 4,825 13,406 1,030,472 1,043,878 — Consumer finance loans 661 172 21 854 2,963 3,817 — Consumer loans 9,000 2,867 3,037 14,904 793,092 807,996 — Total Personal Banking 43,716 10,542 19,551 73,809 4,541,001 4,614,810 — Commercial Banking: Commercial real estate loans 5,391 4,801 21,721 31,913 2,217,105 2,249,018 Commercial loans 609 560 2,714 3,883 545,474 549,357 Total Commercial Banking 6,000 5,361 24,435 35,796 2,762,579 2,798,375 — Total originated loans 49,716 15,903 43,986 109,605 7,303,580 7,413,185 — Acquired loans Personal Banking: Residential mortgage loans 532 693 1,317 2,542 91,240 93,782 19 Home equity loans 1,839 294 1,212 3,345 211,199 214,544 40 Consumer loans 447 175 196 818 58,651 59,469 6 Total Personal Banking 2,818 1,162 2,725 6,705 361,090 367,795 65 Commercial Banking: Commercial real estate loans 112 586 3,866 4,564 218,239 222,803 78 Commercial loans 364 — 296 660 46,996 47,656 — Total Commercial Banking 476 586 4,162 5,224 265,235 270,459 78 Total acquired loans 3,294 1,748 6,887 11,929 626,325 638,254 143 Total loans $ 53,010 17,651 50,873 121,534 7,929,905 8,051,439 143 (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, 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. 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, 2018 : Pass Special mention Substandard Doubtful Loss Total Originated loans Personal Banking: Residential mortgage loans $ 2,749,266 — 9,853 — — 2,759,119 Home equity loans 1,038,245 — 5,633 — — 1,043,878 Consumer finance loans 3,817 — — — — 3,817 Consumer loans 804,075 — 3,921 — — 807,996 Tota |