Loans and Allowance for Credit Losses | Loans and Allowance for Credit Losses Loans, Net of Unearned Income Loans, net of unearned income are summarized as follows: June 30, December 31, 2017 (in thousands) Real-estate - commercial mortgage $ 6,304,475 $ 6,364,804 Commercial - industrial, financial and agricultural 4,264,602 4,300,297 Real-estate - residential mortgage 2,094,530 1,954,711 Real-estate - home equity 1,491,395 1,559,719 Real-estate - construction 990,705 1,006,935 Consumer 360,315 313,783 Leasing and other 315,243 291,556 Overdrafts 1,778 4,113 Loans, gross of unearned income 15,823,043 15,795,918 Unearned income (30,074 ) (27,671 ) Loans, net of unearned income $ 15,792,969 $ 15,768,247 The Corporation segments its loan portfolio by general loan type, or "portfolio segments," as presented in the table under the heading, "Loans, Net of Unearned Income," above. Certain portfolio segments are further disaggregated and evaluated collectively for impairment based on "class segments," which are largely based on the type of collateral underlying each loan. Commercial loans include both secured and unsecured loans. Construction loan class segments include loans secured by commercial real estate, loans to commercial borrowers secured by residential real estate and loans to individuals secured by residential real estate. Consumer loan class segments include direct consumer installment loans and indirect vehicle loans. Allowance for Credit Losses The allowance for credit losses consists of the allowance for loan losses and the reserve for unfunded lending commitments. The allowance for loan losses represents management’s estimate of incurred losses in the loan portfolio as of the balance sheet date and is recorded as a reduction to loans. The reserve for unfunded lending commitments represents management’s estimate of incurred losses in its unfunded loan commitments and letters of credit and is recorded in other liabilities on the consolidated balance sheets. The allowance for credit losses is increased by charges to expense, through the provision for credit losses, and decreased by charge-offs, net of recoveries. The Corporation’s allowance for credit losses includes: (1) specific allowances allocated to loans individually evaluated for impairment (FASB ASC Section 310-10-35); and (2) allowances calculated for pools of loans collectively evaluated for impairment (FASB ASC Subtopic 450-20). The following table presents the components of the allowance for credit losses: June 30, December 31, (in thousands) Allowance for loan losses $ 156,050 $ 169,910 Reserve for unfunded lending commitments 13,197 6,174 Allowance for credit losses $ 169,247 $ 176,084 The following table presents the activity in the allowance for credit losses: Three months ended June 30 Six months ended June 30 2018 2017 2018 2017 (in thousands) Balance at beginning of period $ 176,019 $ 172,647 $ 176,084 $ 171,325 Loans charged off (42,160 ) (8,715 ) (48,557 ) (18,122 ) Recoveries of loans previously charged off 2,271 4,366 4,633 10,295 Net loans charged off (39,889 ) (4,349 ) (43,924 ) (7,827 ) Provision for credit losses 33,117 6,700 37,087 11,500 Balance at end of period $ 169,247 $ 174,998 $ 169,247 $ 174,998 Included in the provision for credit losses for the three and six months ended June 30, 2018 was a $36.8 million provision related to a single, large commercial lending relationship (" Commercial Relationship "). In addition, loans charged off for the same periods included a $33.9 million charge-off related to the Commercial Relationship . The Corporation has historically maintained an unallocated allowance for credit losses for factors and conditions that exist at the balance sheet date, but are not specifically identifiable, and to recognize the inherent imprecision in estimating and measuring loss exposure. In the second quarter of 2017, enhancements were made to allow for the impact of these factors and conditions to be quantified in the allowance allocation process. Accordingly, an unallocated allowance for credit losses is no longer necessary. The following table presents the activity in the allowance for loan losses by portfolio segment: Real Estate - Commercial Mortgage Commercial - Industrial, Financial and Agricultural Real Estate - Home Equity Real Estate - Residential Mortgage Real Estate - Construction Consumer Leasing, other and overdrafts Unallocated Total (in thousands) Three months ended June 30, 2018 Balance at March 31, 2018 $ 58,717 $ 61,830 $ 17,528 $ 15,261 $ 5,924 $ 1,903 $ 2,054 $ — $ 163,217 Loans charged off (366 ) (38,632 ) (816 ) (483 ) (606 ) (712 ) (545 ) — (42,160 ) Recoveries of loans previously charged off 321 541 271 96 444 446 152 — 2,271 Net loans charged off (45 ) (38,091 ) (545 ) (387 ) (162 ) (266 ) (393 ) — (39,889 ) Provision for loan losses (1) (2,089 ) 35,306 (736 ) (370 ) 226 62 323 — 32,722 Balance at June 30, 2018 $ 56,583 $ 59,045 $ 16,247 $ 14,504 $ 5,988 $ 1,699 $ 1,984 $ — $ 156,050 Three months ended June 30, 2017 Balance at March 31, 2017 $ 47,373 $ 55,309 $ 23,821 $ 22,018 $ 7,501 $ 3,031 $ 3,268 $ 7,755 $ 170,076 Loans charged off (242 ) (5,353 ) (592 ) (124 ) (774 ) (430 ) (1,200 ) — (8,715 ) Recoveries of loans previously charged off 934 1,974 215 151 373 470 249 — 4,366 Net loans charged off 692 (3,379 ) (377 ) 27 (401 ) 40 (951 ) — (4,349 ) Provision for loan losses (1) 9,307 15,712 (5,988 ) (5,606 ) 2,434 (1,277 ) (212 ) (7,755 ) 6,615 Balance at June 30, 2017 $ 57,372 $ 67,642 $ 17,456 $ 16,439 $ 9,534 $ 1,794 $ 2,105 $ — $ 172,342 Six months ended June 30, 2018 Balance at December 31, 2017 $ 58,793 $ 66,280 $ 18,127 $ 16,088 $ 6,620 $ 2,045 $ 1,957 $ — $ 169,910 Loans charged off (633 ) (42,637 ) (1,224 ) (645 ) (764 ) (1,604 ) (1,050 ) — (48,557 ) Recoveries of loans previously charged off 600 1,616 477 203 750 625 362 — 4,633 Net loans charged off (33 ) (41,021 ) (747 ) (442 ) (14 ) (979 ) (688 ) — (43,924 ) Provision for loan losses (1) (2,177 ) 33,786 (1,133 ) (1,142 ) (618 ) 633 715 — 30,064 Balance at June 30, 2018 $ 56,583 $ 59,045 $ 16,247 $ 14,504 $ 5,988 $ 1,699 $ 1,984 $ — $ 156,050 Six months ended June 30, 2017 Balance at December 31, 2016 $ 46,842 $ 54,353 $ 26,801 $ 22,929 $ 6,455 $ 3,574 $ 3,192 $ 4,533 $ 168,679 Loans charged off (1,466 ) (10,880 ) (1,290 ) (340 ) (1,021 ) (1,286 ) (1,839 ) — (18,122 ) Recoveries of loans previously charged off 1,384 6,165 352 381 921 706 386 — 10,295 Net loans charged off (82 ) (4,715 ) (938 ) 41 (100 ) (580 ) (1,453 ) — (7,827 ) Provision for loan losses (1) 10,612 18,004 (8,407 ) (6,531 ) 3,179 (1,200 ) 366 (4,533 ) 11,490 Balance at June 30, 2017 $ 57,372 $ 67,642 $ 17,456 $ 16,439 $ 9,534 $ 1,794 $ 2,105 $ — $ 172,342 (1) The provision for loan losses excluded a $395,000 and a $7.0 million increase in the reserve for unfunded lending commitments for the three and six months ended June 30, 2018 , respectively, and an $85,000 and a $10,000 increase in the reserve for unfunded lending commitments for the three and six months ended June 30, 2017, respectively. These amounts were reclassified to other liabilities on the consolidated balance sheets. The following table presents loans, net of unearned income and their related allowance for loan losses, by portfolio segment: Real Estate - Commercial Mortgage Commercial - Industrial, Financial and Agricultural Real Estate - Home Equity Real Estate - Residential Mortgage Real Estate - Construction Consumer Leasing, other and overdrafts Total (in thousands) Allowance for loan losses at June 30, 2018: Loans collectively evaluated for impairment $ 48,489 $ 49,354 $ 5,093 $ 5,171 $ 5,338 $ 1,691 $ 1,984 $ 117,120 Loans individually evaluated for impairment 8,094 9,691 11,154 9,333 650 8 — 38,930 $ 56,583 $ 59,045 $ 16,247 $ 14,504 $ 5,988 $ 1,699 $ 1,984 $ 156,050 Loans, net of unearned income at June 30, 2018 Loans collectively evaluated for impairment $ 6,252,747 $ 4,209,786 $ 1,466,393 $ 2,055,206 $ 981,584 $ 360,304 $ 286,947 $ 15,612,967 Loans individually evaluated for impairment 51,728 54,816 25,002 39,324 9,121 11 — 180,002 $ 6,304,475 $ 4,264,602 $ 1,491,395 $ 2,094,530 $ 990,705 $ 360,315 $ 286,947 $ 15,792,969 Allowance for loan losses at June 30, 2017: Loans collectively evaluated for impairment $ 49,055 $ 57,341 $ 7,607 $ 6,013 $ 5,370 $ 1,773 $ 2,105 $ 129,264 Loans individually evaluated for impairment 8,317 10,301 9,849 10,426 4,164 21 — 43,078 $ 57,372 $ 67,642 $ 17,456 $ 16,439 $ 9,534 $ 1,794 $ 2,105 $ 172,342 Loans, net of unearned income at June 30, 2017: Loans collectively evaluated for impairment $ 6,212,998 $ 4,189,676 $ 1,557,989 $ 1,741,404 $ 921,839 $ 283,123 $ 252,253 $ 15,159,282 Loans individually evaluated for impairment 49,010 56,173 21,750 43,308 17,061 33 — 187,335 $ 6,262,008 $ 4,245,849 $ 1,579,739 $ 1,784,712 $ 938,900 $ 283,156 $ 252,253 $ 15,346,617 Impaired Loans A loan is considered to be impaired if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. Impaired loans consist of all loans on non-accrual status and accruing troubled debt restructurings ("TDRs"). An allowance for loan losses is established for an impaired loan if its carrying value exceeds its estimated fair value. Impaired loans to borrowers with total commitments greater than or equal to $1.0 million are evaluated individually for impairment. Impaired loans to borrowers with total commitments less than $1.0 million are pooled and measured for impairment collectively. All loans individually evaluated for impairment are measured for losses on a quarterly basis. As of June 30, 2018 and December 31, 2017 , substantially all of the Corporation’s individually evaluated impaired loans with total commitments greater than or equal to $1.0 million were measured based on the estimated fair value of each loan’s collateral. Collateral could be in the form of real estate, in the case of impaired commercial mortgages and construction loans, or business assets, such as accounts receivable or inventory, in the case of commercial and industrial loans. Commercial and industrial loans may also be secured by real estate. As of June 30, 2018 and 2017 , approximately 88% and 87% , respectively, of impaired loans with principal balances greater than or equal to $1.0 million , whose primary collateral is real estate, were measured at estimated fair value of the collateral using appraisals that had been updated in the preceding 12 months, performed by state certified third-party appraisers. When updated appraisals are not obtained for loans evaluated for impairment that are secured by real estate, fair values are estimated based on the original appraisal values, as long as the original appraisal indicated an acceptable loan-to-value position and, in the opinion of the Corporation's internal credit administration staff, there has not been a significant deterioration in the collateral value since the original appraisal was performed. Original appraisals are typically used only when the estimated collateral value, as adjusted for the age of the appraisal, results in a current loan-to-value ratio that is lower than the Corporation's loan-to-value requirements for new loans (generally less than 70% ). The following table presents total impaired loans by class segment: June 30, 2018 December 31, 2017 Unpaid Principal Balance Recorded Investment Related Allowance Unpaid Principal Balance Recorded Investment Related Allowance (in thousands) With no related allowance recorded: Real estate - commercial mortgage $ 27,582 $ 26,435 $ — $ 26,728 $ 22,886 $ — Commercial 41,971 26,761 — 44,936 39,550 — Real estate - residential mortgage 3,193 3,193 — 4,575 4,575 — Construction 11,162 7,213 — 12,477 8,100 — 83,908 63,602 — 88,716 75,111 — With a related allowance recorded: Real estate - commercial mortgage 32,432 25,293 8,094 33,710 25,895 8,112 Commercial 50,734 28,055 9,691 29,816 24,175 11,406 Real estate - home equity 28,776 25,002 11,154 28,282 24,693 11,124 Real estate - residential mortgage 41,025 36,131 9,333 42,597 37,132 9,895 Construction 5,595 1,908 650 7,308 4,097 967 Consumer 11 11 8 26 26 17 158,573 116,400 38,930 141,739 116,018 41,521 Total $ 242,481 $ 180,002 $ 38,930 $ 230,455 $ 191,129 $ 41,521 As of June 30, 2018 and December 31, 2017 , there were $63.6 million and $75.1 million , respectively, of impaired loans that did not have a related allowance for loan loss. The estimated fair values of the collateral securing these loans exceeded their carrying amount, or the loans were previously charged down to realizable collateral values. Accordingly, no specific valuation allowance was considered to be necessary. The following table presents average impaired loans by class segment: Three months ended June 30 Six months ended June 30 2018 2017 2018 2017 Average Interest Average Interest Average Interest Average Interest (in thousands) With no related allowance recorded: Real estate - commercial mortgage $ 27,127 $ 97 $ 22,316 $ 71 $ 25,713 $ 180 $ 23,360 141 Commercial 33,644 69 30,829 46 35,612 142 29,061 82 Real estate - residential mortgage 3,870 24 4,643 26 4,105 51 4,658 52 Construction 7,528 — 6,965 4 7,718 — 6,242 6 72,169 190 64,753 147 73,148 373 63,321 281 With a related allowance recorded: Real estate - commercial mortgage 25,419 91 27,710 88 25,578 175 28,288 173 Commercial 26,120 54 21,387 31 25,471 97 22,074 63 Real estate - home equity 24,907 195 20,352 117 24,835 379 19,969 212 Real estate - residential mortgage 36,261 223 39,500 225 36,551 444 40,119 455 Construction 2,400 — 8,446 4 2,966 — 7,542 7 Consumer 18 — 36 — 20 — 36 — Leasing, other and overdrafts — — — — — — 475 — 115,125 563 117,431 465 115,421 1,095 118,503 910 Total $ 187,294 $ 753 $ 182,184 $ 612 $ 188,569 $ 1,468 $ 181,824 1,191 (1) All impaired loans, excluding accruing TDRs, were non-accrual loans. Interest income recognized for the three and six months ended June 30, 2018 and 2017 represents amounts earned on accruing TDRs. Credit Quality Indicators and Non-performing Assets The following is a summary of the Corporation's internal risk rating categories: • Pass : These loans do not currently pose undue credit risk and can range from the highest to average quality, depending on the degree of potential risk. • Special Mention : These loans constitute an undue and unwarranted credit risk, but not to a point of justifying a classification of substandard. Loans in this category are currently acceptable, but are nevertheless potentially weak. • Substandard or Lower : These loans are inadequately protected by current sound worth and paying capacity of the borrower. There exists a well-defined weakness or weaknesses that jeopardize the normal repayment of the debt. The risk rating process allows management to identify credits that potentially carry more risk in a timely manner and to allocate resources to managing troubled accounts. The Corporation believes that internal risk ratings are the most relevant credit quality indicator for the class segments presented in the preceding tables. The migration of loans through the various internal risk rating categories is a significant component of the allowance for credit loss methodology, which bases the probability of default on this migration. Assigning risk ratings involves judgment. The Corporation's loan review officers provide an independent assessment of risk rating accuracy. Ratings may be changed based on the ongoing monitoring procedures performed by loan officers or credit administration staff, or if specific loan review activities identify a deterioration or an improvement in the loan. The following table presents internal credit risk ratings for the indicated loan class segments: Pass Special Mention Substandard or Lower Total June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 (dollars in thousands) Real estate - commercial mortgage $ 5,990,838 $ 6,066,396 $ 164,908 $ 147,604 $ 148,729 $ 150,804 $ 6,304,475 $ 6,364,804 Commercial - secured 3,823,052 3,831,485 139,345 121,842 146,190 179,113 4,108,587 4,132,440 Commercial - unsecured 147,914 159,620 3,726 5,478 4,375 2,759 156,015 167,857 Total commercial - industrial, financial and agricultural 3,970,966 3,991,105 143,071 127,320 150,565 181,872 4,264,602 4,300,297 Construction - commercial residential 128,641 143,759 3,996 5,259 10,429 14,084 143,066 163,102 Construction - commercial 762,920 761,218 344 846 5,382 3,752 768,646 765,816 Total construction (excluding Construction - other) 891,561 904,977 4,340 6,105 15,811 17,836 911,712 928,918 $ 10,853,365 $ 10,962,478 $ 312,319 $ 281,029 $ 315,105 $ 350,512 $ 11,480,789 $ 11,594,019 % of Total 94.5 % 94.6 % 2.7 % 2.4 % 2.7 % 3.0 % 100.0 % 100.0 % The Corporation does not assign internal risk ratings to smaller balance, homogeneous loans, such as home equity, residential mortgage, construction loans to individuals secured by residential real estate, consumer and lease receivables. For these loans, the most relevant credit quality indicator is delinquency status. The migration of loans through the various delinquency status categories is a significant component of the allowance for credit losses methodology for those loans, which bases the probability of default on this migration. The following table presents a summary of performing, delinquent and non-performing loans for the indicated loan class segments: Performing Delinquent (1) Non-performing (2) Total June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 June 30, 2018 December 31, 2017 (dollars in thousands) Real estate - home equity $ 1,470,006 $ 1,535,557 $ 9,703 $ 12,655 $ 11,686 $ 11,507 $ 1,491,395 $ 1,559,719 Real estate - residential mortgage 2,054,810 1,914,888 20,832 18,852 18,888 20,971 2,094,530 1,954,711 Construction - other 78,503 77,403 — 203 490 411 78,993 78,017 Consumer - direct 62,142 54,828 108 315 83 70 62,333 55,213 Consumer - indirect 294,686 254,663 3,027 3,681 269 226 297,982 258,570 Total consumer 356,828 309,491 3,135 3,996 352 296 360,315 313,783 Leasing, other and overdrafts 285,722 267,111 1,049 855 176 32 286,947 267,998 $ 4,245,869 $ 4,104,450 $ 34,719 $ 36,561 $ 31,592 $ 33,217 $ 4,312,180 $ 4,174,228 % of Total 98.5 % 98.3 % 0.8 % 0.9 % 0.7 % 0.8 % 100.0 % 100.0 % (1) Includes all accruing loans 30 days to 89 days past due. (2) Includes all accruing loans 90 days or more past due and all non-accrual loans. The following table presents non-performing assets: June 30, December 31, (in thousands) Non-accrual loans $ 111,116 $ 124,749 Loans 90 days or more past due and still accruing 12,628 10,010 Total non-performing loans 123,744 134,759 Other real estate owned (OREO) 11,181 9,823 Total non-performing assets $ 134,925 $ 144,582 The following tables present past due status and non-accrual loans by portfolio segment and class segment: June 30, 2018 30-59 Days Past Due 60-89 Days Past Due ≥ 90 Days Past Due and Accruing Non- accrual Total ≥ 90 Days Total Past Due Current Total (in thousands) Real estate - commercial mortgage $ 8,537 $ 961 $ 3,970 $ 35,308 $ 39,278 $ 48,776 $ 6,255,699 $ 6,304,475 Commercial - secured 14,687 2,249 299 43,005 43,304 60,240 4,048,347 4,108,587 Commercial - unsecured 350 162 129 612 741 1,253 154,762 156,015 Total commercial - industrial, financial and agricultural 15,037 2,411 428 43,617 44,045 61,493 4,203,109 4,264,602 Real estate - home equity 8,053 1,650 2,885 8,801 11,686 21,389 1,470,006 1,491,395 Real estate - residential mortgage 15,333 5,499 4,619 14,269 18,888 39,720 2,054,810 2,094,530 Construction - commercial residential 560 184 — 8,810 8,810 9,554 133,511 143,065 Construction - commercial — — — 19 19 19 768,628 768,647 Construction - other — — 198 292 490 490 78,503 78,993 Total real estate - construction 560 184 198 9,121 9,319 10,063 980,642 990,705 Consumer - direct 45 63 83 — 83 191 62,142 62,333 Consumer - indirect 2,535 492 269 — 269 3,296 294,686 297,982 Total consumer 2,580 555 352 — 352 3,487 356,828 360,315 Leasing, other and overdrafts 805 244 176 — 176 1,225 285,722 286,947 Total $ 50,905 $ 11,504 $ 12,628 $ 111,116 $ 123,744 $ 186,153 $ 15,606,816 $ 15,792,969 December 31, 2017 30-59 Days Past Due 60-89 Days Past Due ≥ 90 Days Past Due and Accruing Non- accrual Total ≥ 90 Days Total Past Due Current Total (in thousands) Real estate - commercial mortgage $ 9,456 $ 4,223 $ 625 $ 34,822 $ 35,447 $ 49,126 $ 6,315,678 $ 6,364,804 Commercial - secured 4,778 5,254 1,360 52,255 53,615 63,647 4,068,793 4,132,440 Commercial - unsecured 305 10 45 649 694 1,009 166,848 167,857 Total commercial - industrial, financial and agricultural 5,083 5,264 1,405 52,904 54,309 64,656 4,235,641 4,300,297 Real estate - home equity 9,640 3,015 2,372 9,135 11,507 24,162 1,535,557 1,559,719 Real estate - residential mortgage 11,961 6,891 5,280 15,691 20,971 39,823 1,914,888 1,954,711 Construction - commercial residential — 439 — 11,767 11,767 12,206 150,896 163,102 Construction - commercial 483 — — 19 19 502 765,314 765,816 Construction - other 203 — — 411 411 614 77,403 78,017 Total real estate - construction 686 439 — 12,197 12,197 13,322 993,613 1,006,935 Consumer - direct 260 55 70 — 70 385 54,828 55,213 Consumer - indirect 3,055 626 226 — 226 3,907 254,663 258,570 Total consumer 3,315 681 296 — 296 4,292 309,491 313,783 Leasing, other and overdrafts 568 287 32 — 32 887 267,111 267,998 Total $ 40,709 $ 20,800 $ 10,010 $ 124,749 $ 134,759 $ 196,268 $ 15,571,979 $ 15,768,247 The following table presents TDRs, by class segment: June 30, December 31, (in thousands) Real-estate - residential mortgage $ 25,055 $ 26,016 Real-estate - commercial mortgage 16,420 13,959 Real estate - home equity 16,201 15,558 Commercial 11,199 10,820 Consumer 11 26 Total accruing TDRs 68,886 66,379 Non-accrual TDRs (1) 24,743 29,051 Total TDRs $ 93,629 $ 95,430 (1) Included in non-accrual loans in the preceding table detailing non-performing assets. The following table presents TDRs, by class segment and type of concession for loans that were modified during the three and six months ended June 30, 2018 and 2017 : Three months ended June 30 Six months ended June 30 2018 2017 2018 2017 Number of Loans Post-Modification Recorded Investment Number of Loans Post-Modification Recorded Investment Number of Loans Post-Modification Recorded Investment Number of Loans Post-Modification Recorded Investment (dollars in thousands) Real estate – residential mortgage: Extend maturity without rate concession 1 $ 77 — $ — 1 $ 77 2 $ 337 Bankruptcy — — 1 157 1 5 2 335 Real estate - commercial mortgage: Extend maturity without rate concession 1 4 3 663 6 8,261 4 981 Bankruptcy — — 1 12 — — 1 12 Real estate - home equity: Extend maturity without rate concession 23 1,346 17 1,275 40 2,622 33 2,559 Bankruptcy 5 313 10 1,063 7 421 17 1,516 Commercial: Extend maturity without rate concession 1 49 5 2,600 5 1,151 8 5,693 Bankruptcy — — 1 490 — — 2 523 Construction - commercial residential: Extend maturity without rate concession — — 1 1,204 — — 1 1,204 Total 31 $ 1,789 39 $ 7,464 60 $ 12,537 70 $ 13,160 The following table presents TDRs, by class segment, as of June 30, 2018 and 2017 that were modified in the previous 12 months and had a post-modification payment default during the six months ended June 30, 2018 and 2017 . The Corporation defines a payment default as a single missed payment. 2018 2017 Number of Loans Recorded Investment Number of Loans Recorded Investment (dollars in thousands) Real estate - residential mortgage 8 $ 863 7 $ 1,911 Real estate - commercial mortgage 1 176 3 674 Real estate - home equity 29 1,955 16 922 Commercial 5 146 5 2,772 Consumer — — 1 16 Total 43 $ 3,140 32 $ 6,295 |