Loans receivable | Loans receivable The following table shows a summary of our loans receivable at September 30, 2019 and December 31, 2018 (in thousands): September 30, 2019 December 31, 2018 Originated Acquired Total Originated Acquired Total Personal Banking: Residential mortgage loans (1) $ 2,804,792 87,176 2,891,968 2,766,430 93,782 2,860,212 Home equity loans 1,069,906 258,267 1,328,173 1,043,878 214,544 1,258,422 Consumer finance loans (2) 872 — 872 3,817 — 3,817 Consumer loans 1,022,976 39,731 1,062,707 775,378 58,671 834,049 Total Personal Banking 4,898,546 385,174 5,283,720 4,589,503 366,997 4,956,500 Commercial Banking: Commercial real estate loans 2,558,688 443,075 3,001,763 2,416,047 223,327 2,639,374 Commercial loans 717,644 60,438 778,082 612,962 48,816 661,778 Total Commercial Banking 3,276,332 503,513 3,779,845 3,029,009 272,143 3,301,152 Total loans receivable, gross 8,174,878 888,687 9,063,565 7,618,512 639,140 8,257,652 Deferred loan costs 49,921 534 50,455 36,820 798 37,618 Allowance for loan losses (47,417 ) (5,442 ) (52,859 ) (51,751 ) (3,463 ) (55,214 ) Undisbursed loan proceeds: Residential mortgage loans (15,576 ) — (15,576 ) (11,513 ) — (11,513 ) Commercial real estate loans (184,634 ) (4,290 ) (188,924 ) (167,029 ) (524 ) (167,553 ) Commercial loans (56,357 ) (1,146 ) (57,503 ) (63,605 ) (1,160 ) (64,765 ) Total loans receivable, net $ 7,920,815 878,343 8,799,158 7,361,434 634,791 7,996,225 (1) Includes $8.9 million and $0 of loans held-for-sale at September 30, 2019 and December 31, 2018 , respectively. (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): September 30, 2019 December 31, 2018 Acquired loans evaluated individually for future credit losses: Outstanding principal balance $ 7,616 8,189 Carrying value 5,150 5,690 Acquired loans evaluated collectively for future credit losses: Outstanding principal balance 889,065 637,170 Carrying value 878,635 632,564 Total acquired loans: Outstanding principal balance 896,681 645,359 Carrying value 883,785 638,254 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 (382 ) Net reclassification from nonaccretable yield 938 Balance at September 30, 2019 $ 1,311 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, 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 $ 908 1,516 3 949 78 Home equity loans 739 1,651 16 874 89 Consumer loans 10 40 1 19 11 Total Personal Banking 1,657 3,207 20 1,842 178 Commercial Banking: Commercial real estate loans 3,415 4,324 2 3,500 201 Commercial loans 78 85 — 78 3 Total Commercial Banking 3,493 4,409 2 3,578 204 Total $ 5,150 7,616 22 5,420 382 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 September 30, 2019 (in thousands): Balance as of September 30, 2019 Current period provision Charge-offs Recoveries Balance as of Originated loans Personal Banking: Residential mortgage loans $ 2,507 (1,361 ) (109 ) 68 3,909 Home equity loans 2,791 (81 ) (176 ) 58 2,990 Consumer finance loans 140 (141 ) (59 ) 74 266 Consumer loans 12,035 3,920 (2,916 ) 531 10,500 Total Personal Banking 17,473 2,337 (3,260 ) 731 17,665 Commercial Banking: Commercial real estate loans 20,215 (1,206 ) (261 ) 720 20,962 Commercial loans 9,729 958 (1,118 ) 87 9,802 Total Commercial Banking 29,944 (248 ) (1,379 ) 807 30,764 Total originated loans 47,417 2,089 (4,639 ) 1,538 48,429 Acquired loans Personal Banking: Residential mortgage loans 92 41 (81 ) 28 104 Home equity loans 295 220 (290 ) 21 344 Consumer loans 554 63 (103 ) 83 511 Total Personal Banking 941 324 (474 ) 132 959 Commercial Banking: Commercial real estate loans 3,622 1,155 (128 ) 24 2,571 Commercial loans 879 (266 ) (33 ) 30 1,148 Total Commercial Banking 4,501 889 (161 ) 54 3,719 Total acquired loans 5,442 1,213 (635 ) 186 4,678 Total $ 52,859 3,302 (5,274 ) 1,724 53,107 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 as of September 30, 2018 Current period provision Charge-offs Recoveries Balance as of 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 nine months ended September 30, 2019 (in thousands): Balance as of September 30, 2019 Current period provision Charge-offs Recoveries Balance as of December 31, 2018 Originated loans Personal Banking: Residential mortgage loans $ 2,507 (991 ) (847 ) 291 4,054 Home equity loans 2,791 36 (536 ) 107 3,184 Consumer finance loans 140 (561 ) (296 ) 321 676 Other consumer loans 12,035 8,298 (8,196 ) 1,529 10,404 Total Personal Banking 17,473 6,782 (9,875 ) 2,248 18,318 Commercial Banking: Commercial real estate loans 20,215 (2,177 ) (4,978 ) 991 26,379 Commercial loans 9,729 4,769 (2,449 ) 355 7,054 Total Commercial Banking 29,944 2,592 (7,427 ) 1,346 33,433 Total originated loans 47,417 9,374 (17,302 ) 3,594 51,751 Acquired loans Personal Banking: Residential mortgage loans 92 50 (97 ) 56 83 Home equity loans 295 249 (472 ) 170 348 Other consumer loans 554 131 (173 ) 177 419 Total Personal Banking 941 430 (742 ) 403 850 Commercial Banking: Commercial real estate loans 3,622 1,432 (382 ) 576 1,996 Commercial loans 879 3,200 (3,059 ) 121 617 Total Commercial Banking 4,501 4,632 (3,441 ) 697 2,613 Total acquired loans 5,442 5,062 (4,183 ) 1,100 3,463 Total $ 52,859 14,436 (21,485 ) 4,694 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 nine months ended September 30, 2018 (in thousands): Balance as of September 30, 2018 Current period provision Charge-offs Recoveries Balance as of December 31, 2017 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 loan portfolio by portfolio segment and by class of financing receivable at September 30, 2019 (in thousands): Total loans receivable Allowance for loan losses Nonaccrual loans (1) Loans 90 days past maturity and accruing TDRs Allowance related to TDRs Additional commitments to customers with loans classified as TDRs Personal Banking: Residential mortgage loans $ 2,896,133 2,599 13,417 — 7,453 565 — Home equity loans 1,328,173 3,086 7,111 — 1,929 394 26 Consumer finance loans 872 140 1 35 — — — Consumer loans 1,093,421 12,589 4,139 50 — — — Total Personal Banking 5,318,599 18,414 24,668 85 9,382 959 26 Commercial Banking: Commercial real estate loans 2,812,839 23,837 31,427 — 17,840 1,398 475 Commercial loans 720,579 10,608 9,562 — 3,078 650 170 Total Commercial Banking 3,533,418 34,445 40,989 — 20,918 2,048 645 Total $ 8,852,017 52,859 65,657 85 30,300 3,007 671 (1) Includes $9.1 million of nonaccrual TDRs. 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 90 days past maturity and accruing 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. 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, 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 $ 11,722 1,695 505 6,048 19,970 19,522 608 Home equity loans 5,966 1,145 — 1,595 8,706 8,709 348 Consumer finance loan 1 — — — 1 — — Consumer loans 3,399 740 — — 4,139 3,744 180 Total Personal Banking 21,088 3,580 505 7,643 32,816 31,975 1,136 Commercial Banking: Commercial real estate loans 22,292 9,135 4,897 8,198 44,522 45,828 1,295 Commercial loans 5,741 3,821 397 1,508 11,467 10,099 319 Total Commercial Banking 28,033 12,956 5,294 9,706 55,989 55,927 1,614 Total $ 49,121 16,536 5,799 17,349 88,805 87,902 2,750 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 September 30, 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 September 30, 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 $ 2,888,290 7,843 7,843 566 — Home equity loans 1,326,245 1,928 1,928 394 — Consumer finance loans 872 — — — — Consumer loans 1,093,408 13 13 3 — Total Personal Banking 5,308,815 9,784 9,784 963 — Commercial Banking: Commercial real estate loans 2,780,752 32,087 28,375 3,142 3,712 Commercial loans 711,670 8,909 7,453 905 1,456 Total Commercial Banking 3,492,422 40,996 35,828 4,047 5,168 Total $ 8,801,237 50,780 45,612 5,010 5,168 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 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 tables provide a roll forward of TDRs for the periods indicated (in thousands): For the quarter ended September 30, 2019 2018 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 183 $ 31,269 205 $ 30,662 New TDRs 3 520 7 647 Re-modified TDRs 8 4,773 3 306 Net paydowns — (5,668 ) — (1,215 ) Charge-offs: Residential mortgage loans — — — — Home equity loans — — — — Commercial real estate loans — — 1 (91 ) Commercial loans 2 (235 ) 5 (619 ) Paid-off loans: Residential mortgage loans — — 2 (2 ) Home equity loans 3 (68 ) 2 (12 ) Commercial real estate loans 3 (289 ) 2 (360 ) Commercial loans 1 (2 ) 3 (169 ) Ending TDR balance: 177 $ 30,300 197 $ 29,147 Accruing TDRs $ 21,162 $ 19,370 Non-accrual TDRs 9,138 9,777 For the nine months ended September 30, 2019 2018 Number of contracts Amount Number of contracts Amount Beginning TDR balance: 195 $ 33,608 205 $ 32,104 New TDRs 5 826 26 6,443 Re-modified TDRs 8 4,773 3 306 Net paydowns — (6,454 ) — (3,037 ) Charge-offs: Residential mortgage loans — — 1 (135 ) Home equity loans — — — — Commercial real estate loans — — 2 (294 ) Commercial loans 2 (235 ) 6 (1,340 ) Paid-off loans: Residential mortgage loans 4 (180 ) 4 (257 ) Home equity loans 7 (143 ) 4 (59 ) Commercial real estate loans 9 (1,893 ) 9 (2,183 ) Commercial loans 1 (2 ) 8 (2,401 ) Ending TDR balance: 177 $ 30,300 197 $ 29,147 Accruing TDRs $ 21,162 $ 19,370 Non-accrual TDRs 9,138 9,777 The following tables provide information related to TDRs (including re-modified TDRs) by portfolio segment and by class of financing receivable during the periods indicated (in thousands): For the quarter ended September 30, 2019 For the nine months ended September 30, 2019 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 Personal Banking: Residential mortgage loans 1 $ 121 121 8 1 $ 121 121 8 Home equity loans 1 12 11 2 1 12 11 2 Total Personal Banking 2 133 132 10 2 133 132 10 Commercial Banking: Commercial real estate loans 8 6,014 5,120 549 9 6,314 5,417 581 Commercial loans 1 55 41 4 2 65 50 5 Total Commercial Banking 9 6,069 5,161 553 11 6,379 5,467 586 Total 11 $ 6,202 5,293 563 13 $ 6,512 5,599 596 TDRs 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 — — — — 2 2,785 2,775 5 Commercial loans 1 134 126 104 2 284 276 104 Total Commercial Banking 1 134 126 104 4 3,069 3,051 109 Total 1 $ 134 126 104 4 $ 3,069 3,051 109 A TDR is considered to be in default when a restructured loan is 90 days or more past due. For the quarter ended September 30, 2018 For the nine months ended September 30, 2018 Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance Number of contracts Recorded investment at the time of modification Current recorded investment Current allowance 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 of September 30, 2018 , subsequently defaulted. The following table provides information as of September 30, 2019 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended September 30, 2019 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — 121 — 121 Home equity loans 1 — — 11 — 11 Total Personal Banking 2 — — 132 — 132 Commercial Banking: Commercial real estate loans 8 — 222 4,898 — 5,120 Commercial loans 1 — — 41 — 41 Total Commercial Banking 9 — 222 4,939 — 5,161 Total 11 $ — 222 5,071 — 5,293 The following table provides information as of September 30, 2018 for TDRs (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 (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, 2019 for TDRs (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, 2019 (in thousands): Type of modification Number of contracts Rate Payment Maturity date Other Total Personal Banking: Residential mortgage loans 1 $ — — 121 — 121 Home equity loans 1 — — 11 — 11 Total Personal Banking 2 — — 132 — 132 Commercial Banking: Commercial real estate loans 9 — 519 4,898 — 5,417 Commercial loans 2 — — 50 — 50 Total Commercial Banking 11 — 519 4,948 — 5,467 Total 13 $ — 519 5,080 — 5,599 The following table provides information as of September 30, 2018 for TDRs (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 (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 During the nine months ended September 30, 2019 , eight commercial banking TDRs were re-modified. During the nine months ended September 30, 2018 , three commercial banking TDRs were re-modified. The following table provides information related to loan payment delinquencies at September 30, 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 $ 1,171 5,185 10,116 16,472 2,792,485 2,808,957 — Home equity loans 3,407 1,724 4,875 10,006 1,059,900 1,069,906 — Consumer finance loans 98 43 1 142 730 872 — Consumer loans 7,221 2,557 3,190 12,968 1,040,188 1,053,156 — Total Personal Banking 11,897 9,509 18,182 39,588 4,893,303 4,932,891 — Commercial Banking: Commercial real estate loans 3,745 835 15,534 20,114 2,353,940 2,374,054 — Commercial loans 182 519 4,658 5,359 655,928 661,287 — Total Commercial Banking 3,927 1,354 20,192 25,473 3,009,868 3,035,341 — Total originated loans 15,824 10,863 38,374 65,061 7,903,171 7,968,232 — Acquired loans Personal Banking: Residential mortgage loans 65 135 1,700 1,900 85,276 87,176 94 Home equity loans 1,367 379 1,091 2,837 255,430 258,267 — Consumer loans 278 32 210 520 39,745 40,265 1 Total Personal Banking 1,710 546 3,001 5,257 380,451 385,708 95 Commercial Banking: Commercial real estate loans 1,563 1,058 6,758 9,379 429,406 438,785 — Commercial loans 180 70 1,083 1,333 57,959 59,292 — Total Commercial Banking 1,743 1,128 7,841 10,712 487,365 498,077 — Total acquired loans 3,453 1,674 10,842 15,969 867,816 883,785 95 Total loans $ 19,277 12,537 49,216 81,030 8,770,987 8,852,017 95 (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 as of September 30, 2019 (in thousands): Pass Special mention Substandard Doubtful Loss Total loans receivable Originated loans Personal Banking: Residential mortgage loans $ 2,801,228 — 7,729 — — 2,808,957 Home equity loans 1,064,182 — 5,724 — — 1,069,906 Consumer finance loans 872 — — — — 872 Consumer loans 1,049,270 — 3,886 — — 1,053,156 Total Personal Banking 4,915,552 — 17,339 — — 4,932,891 Commercial Banking: Commercial real estate loans 2,209,327 63,051 101,495 181 — 2,374,054 Commercial loans 588,924 35,299 36,949 115 — 661,287 Total Commercial Banking 2,798,251 98,350 138,444 296 — 3,035,341 Total originated loans 7,713,803 98,350 155,783 296 — 7,968,232 Acquired loans Personal Banking: Residential mortgage loans 85,849 — 1,327 — — 87,176 Home equity loans 256,748 — 1,519 — — 258,267 Consumer loans 39,888 — 377 — — 40,265 Total Personal Banking 382,485 — 3,223 — — 385,708 Commercial Banking: Commercial real estate loans 391,698 6,329 40,758 — — 438,785 Commercial loans 51,074 2,367 5,851 — — 59,292 Total Commercial Banking 442,772 8,696 46,609 — — 498,077 Total acquired loans 825,257 8,696 49,832 — — 883,785 Total loans $ 8,539,060 107,046 205,615 296 — 8,852,017 The following table sets forth information about credit quality i |