Loans receivable | Loans receivable The following table shows a summary of our loans receivable at March 31, 2019 and December 31, 2018 (in thousands): March 31, 2019 December 31, 2018 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,763,192 96,319 2,859,511 2,766,430 93,782 2,860,212 Home equity loans 1,035,189 289,216 1,324,405 1,043,878 214,544 1,258,422 Consumer finance loans (2) 2,292 — 2,292 3,817 — 3,817 Consumer loans 852,608 51,520 904,128 775,378 58,671 834,049 Total Personal Banking 4,653,281 437,055 5,090,336 4,589,503 366,997 4,956,500 Commercial Banking: Commercial real estate loans 2,443,717 507,294 2,951,011 2,416,047 223,327 2,639,374 Commercial loans 634,417 68,599 703,016 612,962 48,816 661,778 Total Commercial Banking 3,078,134 575,893 3,654,027 3,029,009 272,143 3,301,152 Total loans receivable, gross 7,731,415 1,012,948 8,744,363 7,618,512 639,140 8,257,652 Deferred loan costs 40,043 689 40,732 36,820 798 37,618 Allowance for loan losses (51,711 ) (4,010 ) (55,721 ) (51,751 ) (3,463 ) (55,214 ) Undisbursed loan proceeds: Residential mortgage loans (8,440 ) — (8,440 ) (11,513 ) — (11,513 ) Commercial real estate loans (138,241 ) (13,461 ) (151,702 ) (167,029 ) (524 ) (167,553 ) Commercial loans (53,918 ) (1,160 ) (55,078 ) (63,605 ) (1,160 ) (64,765 ) Total loans receivable, net $ 7,519,148 995,006 8,514,154 7,361,434 634,791 7,996,225 (1) There were no loans held for sale at March 31, 2019 and December 31, 2018 . (2) Represents loans from our consumer finance subsidiary that was closed in 2017. Such loans are no longer being originated. Acquired loans were initially measured at fair value and subsequently accounted for under either 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): March 31, 2019 December 31, 2018 Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 8,068 8,189 Carrying value 5,607 5,690 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 1,005,356 637,170 Carrying value 993,409 632,564 Total acquired loans: Outstanding principal balance 1,013,424 645,359 Carrying value 999,016 638,254 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, 2017 $ 1,540 Accretion (785 ) Net reclassification from nonaccretable yield — Balance at December 31, 2018 755 Accretion (132 ) Net reclassification from nonaccretable yield — Balance at March 31, 2019 $ 623 The following table provides information related to acquired impaired loans by portfolio segment and by class of financing receivable at and for the three months ended March 31, 2019 (in thousands): Carrying value Outstanding principal balance Related impairment reserve Average recorded investment in impaired loans Interest income recognized Personal Banking: Residential mortgage loans $ 975 1,579 6 982 32 Home equity loans 997 1,960 7 1,003 28 Consumer loans 17 36 4 24 3 Total Personal Banking 1,989 3,575 17 2,009 63 Commercial Banking: Commercial real estate loans 3,539 4,408 1 3,561 67 Commercial loans 79 85 — 79 2 Total Commercial Banking 3,618 4,493 1 3,640 69 Total $ 5,607 8,068 18 5,649 132 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, 2018 (in thousands): Carrying Outstanding Related Average Interest 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 the allowance for loan losses by portfolio segment and by class of financing receivable for the quarter ended March 31, 2019 (in thousands): Balance as of Current period provision Charge-offs Recoveries Balance as of Originated loans: Personal Banking: Residential mortgage loans $ 4,005 186 (349 ) 114 4,054 Home equity loans 3,062 (35 ) (112 ) 25 3,184 Consumer finance loans 405 (229 ) (179 ) 137 676 Consumer loans 11,130 3,051 (2,809 ) 484 10,404 Total Personal Banking 18,602 2,973 (3,449 ) 760 18,318 Commercial Banking: Commercial real estate loans 25,470 (464 ) (569 ) 124 26,379 Commercial loans 7,639 874 (457 ) 168 7,054 Total Commercial Banking 33,109 410 (1,026 ) 292 33,433 Total originated loans 51,711 3,383 (4,475 ) 1,052 51,751 Acquired loans: Personal Banking: Residential mortgage loans 92 8 (8 ) 9 83 Home equity loans 399 45 (42 ) 48 348 Consumer loans 454 34 (32 ) 33 419 Total Personal Banking 945 87 (82 ) 90 850 Commercial Banking: Commercial real estate loans 2,467 255 (35 ) 251 1,996 Commercial loans 598 2,742 (2,813 ) 52 617 Total Commercial Banking 3,065 2,997 (2,848 ) 303 2,613 Total acquired loans 4,010 3,084 (2,930 ) 393 3,463 Total $ 55,721 6,467 (7,405 ) 1,445 55,214 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 March 31, 2018 (in thousands): Balance as of Current period provision Charge-offs Recoveries Balance as of December 31, 2017 Originated loans: Personal Banking: Residential mortgage loans $ 3,724 31 (196 ) 65 3,824 Home equity loans 3,717 (85 ) (301 ) 31 4,072 Consumer finance loans 3,031 338 (1,553 ) 278 3,968 Consumer loans 9,140 3,279 (3,177 ) 563 8,475 Total Personal Banking 19,612 3,563 (5,227 ) 937 20,339 Commercial Banking: Commercial real estate loans 20,218 703 (540 ) 144 19,911 Commercial loans 9,293 (340 ) (828 ) 139 10,322 Total Commercial Banking 29,511 363 (1,368 ) 283 30,233 Total originated loans 49,123 3,926 (6,595 ) 1,220 50,572 Acquired loans: Personal Banking: Residential mortgage loans 89 (43 ) (5 ) 6 131 Home equity loans 728 202 (310 ) 74 762 Consumer loans 807 (54 ) (72 ) 43 890 Total Personal Banking 1,624 105 (387 ) 123 1,783 Commercial Banking: Commercial real estate loans 3,430 (130 ) (11 ) 22 3,549 Commercial loans 1,034 308 (197 ) 32 891 Total Commercial Banking 4,464 178 (208 ) 54 4,440 Total acquired loans 6,088 283 (595 ) 177 6,223 Total $ 55,211 4,209 (7,190 ) 1,397 56,795 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at March 31, 2019 (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 $ 2,867,161 4,097 13,052 — 7,517 813 — Home equity loans 1,324,405 3,462 7,299 166 2,125 510 31 Consumer finance loans 2,292 405 — — — — — Consumer loans 928,770 11,583 4,128 — — — — Total Personal Banking 5,122,628 19,547 24,479 166 9,642 1,323 31 Commercial Banking: Commercial real estate loans 2,799,309 27,937 41,278 — 19,372 1,568 491 Commercial loans 647,938 8,237 7,022 — 3,798 330 6 Total Commercial Banking 3,447,247 36,174 48,300 — 23,170 1,898 497 Total $ 8,569,875 55,721 72,779 166 32,812 3,221 528 (1) Includes $15.0 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, 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 $ 2,864,470 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. (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 three months ended March 31, 2019 (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 $ 10,781 2,271 505 6,318 19,875 19,696 258 Home equity loans 5,542 1,757 — 1,780 9,079 8,698 166 Consumer loans 3,215 913 — — 4,128 3,992 92 Total Personal Banking 19,538 4,941 505 8,098 33,082 32,386 516 Commercial Banking: Commercial real estate loans 24,528 16,750 3,390 7,460 52,128 48,887 486 Commercial loans 2,027 4,995 232 2,303 9,557 8,877 111 Total Commercial Banking 26,555 21,745 3,622 9,763 61,685 57,764 597 Total $ 46,093 26,686 4,127 17,861 94,767 90,150 1,113 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, 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 $ 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 At March 31, 2019 , 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 March 31, 2019 (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 $ 2,859,252 7,909 7,909 813 — Home equity loans 1,322,279 2,126 2,126 510 — Consumer finance loans 2,292 — — — — Consumer loans 928,747 23 23 6 — Total Personal Banking 5,112,570 10,058 10,058 1,329 — Commercial Banking: Commercial real estate loans 2,764,907 34,402 31,264 6,249 3,138 Commercial loans 640,264 7,674 6,399 746 1,275 Total Commercial Banking 3,405,171 42,076 37,663 6,995 4,413 Total $ 8,517,741 52,134 47,721 8,324 4,413 The following table provides information related to the evaluation of impaired loans by portfolio segment and by class of financing receivable at December 31, 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 $ 2,856,359 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 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 premiums or discounts), 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 March 31, 2019 2018 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 195 $ 33,608 205 $ 32,104 New TDRs — — 9 4,935 Re-modified TDRs — — — — Net paydowns (796 ) (947 ) Charge-offs: Residential mortgage loans — — 1 (135 ) Home equity loans — — — — Commercial real estate loans — — 1 (203 ) Commercial loans — — 1 (721 ) Paid-off loans: Residential mortgage loans — — 1 (249 ) Home equity loans — — 1 (12 ) Commercial real estate loans — — 4 (1,574 ) Commercial loans — — 5 (2,232 ) Ending TDR balance: 195 $ 32,812 200 $ 30,966 Accruing TDRs $ 17,861 $ 19,749 Non-accrual TDRs 14,951 11,217 During the quarter ended March 31, 2019 , there were no new TDRs. Additionally, no TDRs modified within the previous twelve months of March 31, 2019 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 period indicated (dollars in thousands): For the quarter ended March 31, 2018 Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Troubled debt restructurings: Personal Banking: Residential mortgage loans 2 $ 214 213 21 Home equity loans 3 140 139 36 Total Personal Banking 5 354 352 57 Commercial Banking: Commercial real estate loans 1 2,401 2,385 — Commercial loans 3 2,180 1,431 — Total Commercial Banking 4 4,581 3,816 — Total 9 $ 4,935 4,168 57 During the quarter ended March 31, 2018 , no TDRs modified within the previous twelve months of March 31, 2018 subsequently defaulted. The following table provides information as of March 31, 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 March 31, 2018 (dollars in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 2 $ — — 178 35 213 Home equity loans 3 30 — — 109 139 Total Personal Banking 5 30 — 178 144 352 Commercial Banking: Commercial real estate loans 1 — — — 2,385 2,385 Commercial loans 3 — — — 1,431 1,431 Total Commercial Banking 4 — — — 3,816 3,816 Total 9 $ 30 — 178 3,960 4,168 No TDRs were re-modified during the quarters ended March 31, 2018 and March 31, 2019 . The following table provides information related to loan payment delinquencies at March 31, 2019 (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 $ 25,013 2,427 9,332 36,772 2,734,070 2,770,842 — Home equity loans 6,440 1,880 4,263 12,583 1,022,606 1,035,189 — Consumer finance loans 295 47 — 342 1,950 2,292 — Consumer loans 7,032 2,021 3,001 12,054 864,507 876,561 — Total Personal Banking 38,780 6,375 16,596 61,751 4,623,133 4,684,884 — Commercial Banking: Commercial real estate loans 28,064 859 21,205 50,128 2,255,348 2,305,476 — Commercial loans 2,318 117 1,525 3,960 576,539 580,499 — Total Commercial Banking 30,382 976 22,730 54,088 2,831,887 2,885,975 — Total originated loans 69,162 7,351 39,326 115,839 7,455,020 7,570,859 — Acquired loans: Personal Banking: Residential mortgage loans 2,996 175 1,469 4,640 91,679 96,319 20 Home equity loans 1,186 664 1,279 3,129 286,087 289,216 — Consumer loans 196 109 220 525 51,684 52,209 6 Total Personal Banking 4,378 948 2,968 8,294 429,450 437,744 26 Commercial Banking: Commercial real estate loans 901 3,205 3,384 7,490 486,343 493,833 61 Commercial loans 1,041 621 502 2,164 65,275 67,439 — Total Commercial Banking 1,942 3,826 3,886 9,654 551,618 561,272 61 Total acquired loans 6,320 4,774 6,854 17,948 981,068 999,016 87 Total loans $ 75,482 12,125 46,180 133,787 8,436,088 8,569,875 87 (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, 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 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 loan 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 loan 3,294 1,748 6,887 11,929 626,325 638,254 143 Total $ 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. 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 three months ended March 31, 2019 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable Originated loans: Personal Banking: Residential mortgage loans $ 2,762,876 — 7,966 — — 2,770,842 Home equity loans 1,029,941 — 5,248 — — 1,035,189 Consumer finance loans 2,292 — — — — 2,292 Consumer loans 872,778 — 3,783 — — 876,561 Total Personal Banking 4,667,887 — 16,997 — — 4,684,884 Commercial Banking: Commercial real estate loans 2,113,010 84,164 108,302 — — 2,305,476 Commercial loans 513,805 34,096 32,598 — — 580,499 Total Commercial Banking 2,626,815 118,260 140,900 — — 2,885,975 Total originated loans 7,294,702 118,260 157,897 — — 7,570,859 Acquired loans: Personal Banking: Residential mortgage loans 95,131 — 1,188 — — 96,319 Home equity loans 287,382 — 1,834 — — 289,216 Consumer loans 51,762 — 447 — — 52,209 Total Personal Banking 434,275 — 3,469 — — 437,744 Commercial Banking: Commercial real estate loans 464,166 2,889 26,778 — — 493,833 Commercial loans 59,355 514 7,570 — — 67,439 Total Commercial Banking 523,521 3,403 34,348 — — 561,272 Total acquired loans 957,796 3,403 37,817 — — 999,016 Total loans $ 8,252,498 121,663 195,714 — — 8,569,875 The following table sets forth information about credit quality indicators, which were updated during the year ended December 31, 2018 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable 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 Total Personal Banking 4,595,403 — 19,407 — — 4,614,810 Commercial Banking: Commercial real estate loans 2,062,728 91,142 95,148 — — 2,249,018 Commercial loans 503,665 15,760 29,932 — — 549,357 Total Commercial Banking 2,566,393 106,902 125,080 — — 2,798,375 Total originated loans 7,161,796 106,902 144,487 — — 7,413,185 Acquired loans: Personal Banking: Residential mortgage loans 92,625 — 1,157 — — 93,782 Home equity loans 213,273 — 1,271 — — 214,544 Consumer loans 58,954 — 515 — — 59,469 Total Personal Banking 364,852 — 2,943 — — 367,795 Commercial Banking: Commercial real estate loans 191,622 3,546 27,635 — — 222,803 Commercial loans 35,397 3,521 8,738 — — 47,656 Total Commercial Banking 227,019 7,067 36,373 — — 270,459 Total acquired loans 591,871 7,067 39,316 — — 638,254 Total $ 7,753,667 113,969 183,803 — — 8,051,439 |