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Loans, Allowance for Loan Losses and Credit Quality (Tables) | 9 Months Ended
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Sep. 30, 2019
Loans, Allowance for Loan Losses and Credit Quality [Abstract] |
Tabular disclosure of financing receivables bifurcated by type of impairment evaluation [Table Text Block] | The following tables bifurcate the amount of loans and the allowance allocated to each loan category based on the type of impairment analysis as of the periods indicated:
| September 30, 2019 |
| (Dollars in thousands) |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 1,385,379 |  |  | $ | 3,979,670 |  |  | $ | 520,585 |  |  | $ | 171,723 |  |  | $ | 1,625,923 |  |  | $ | 1,130,777 |  |  | $ | 26,545 |  |  | $ | 8,840,602 |  |
Individually evaluated for impairment | 26,137 |  |  | 13,984 |  |  | — |  |  | 315 |  |  | 11,039 |  |  | 5,325 |  |  | 140 |  |  | 56,940 |  |
Purchased credit impaired loans | — |  |  | 6,833 |  |  | — |  |  | — |  |  | 7,796 |  |  | 1,007 |  |  | 323 |  |  | 15,959 |  |
Total loans by group | $ | 1,411,516 |  |  | $ | 4,000,487 |  |  | $ | 520,585 |  |  | $ | 172,038 |  |  | $ | 1,644,758 |  |  | $ | 1,137,109 |  |  | $ | 27,008 |  |  | $ | 8,913,501 |  | (1 | )
| December 31, 2018 |
| (Dollars in thousands) |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 1,064,800 |  |  | $ | 3,235,418 |  |  | $ | 365,165 |  |  | $ | 164,135 |  |  | $ | 906,959 |  |  | $ | 1,085,961 |  |  | $ | 15,901 |  |  | $ | 6,838,339 |  |
Individually evaluated for impairment | 28,829 |  |  | 10,839 |  |  | — |  |  | 541 |  |  | 12,706 |  |  | 5,948 |  |  | 197 |  |  | 59,060 |  |
Purchased credit impaired loans | — |  |  | 4,991 |  |  | — |  |  | — |  |  | 3,629 |  |  | 175 |  |  | — |  |  | 8,795 |  |
Total loans by group | $ | 1,093,629 |  |  | $ | 3,251,248 |  |  | $ | 365,165 |  |  | $ | 164,676 |  |  | $ | 923,294 |  |  | $ | 1,092,084 |  |  | $ | 16,098 |  |  | $ | 6,906,194 |  | (1 | )
(1) The amount of net deferred costs on originated loans included in the ending balance was $7.2 million and $7.1 million at September 30, 2019 and December 31, 2018, respectively. Net unamortized discounts on acquired loans not deemed to be purchased credit impaired ("PCI") included in the ending balance was $24.7 million and $15.2 million at September 30, 2019 and December 31, 2018, respectively.
Summary of changes in allowance for loan losses | The following tables summarize changes in allowance for loan losses by loan category for the periods indicated:
| Three Months Ended September 30, 2019
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 16,857 |  |  | $ | 32,660 |  |  | $ | 5,593 |  |  | $ | 1,768 |  |  | $ | 3,296 |  |  | $ | 5,547 |  |  | $ | 239 |  |  | $ | 65,960 |
Charge-offs | — |  |  | (82 | ) |  | — |  |  | (125 | ) |  | — |  |  | (28 | ) |  | (472 | ) |  | (707 | )
Recoveries | 1,003 |  |  | 106 |  |  | — |  |  | 61 |  |  | 140 |  |  | 194 |  |  | 185 |  |  | 1,689 |
Provision (benefit) | (528 | ) |  | (33 | ) |  | 240 |  |  | 48 |  |  | (88 | ) |  | 36 |  |  | 325 |  |  | — |
Ending balance | $ | 17,332 |  |  | $ | 32,651 |  |  | $ | 5,833 |  |  | $ | 1,752 |  |  | $ | 3,348 |  |  | $ | 5,749 |  |  | $ | 277 |  |  | $ | 66,942 |
| Three Months Ended September 30, 2018
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 14,788 |  |  | $ | 32,095 |  |  | $ | 5,216 |  |  | $ | 1,709 |  |  | $ | 2,909 |  |  | $ | 5,468 |  |  | $ | 372 |  |  | $ | 62,557 |
Charge-offs | (218 | ) |  | (82 | ) |  | — |  |  | (111 | ) |  | — |  |  | (87 | ) |  | (349 | ) |  | (847 | )
Recoveries | 108 |  |  | 29 |  |  | — |  |  | 10 |  |  | 9 |  |  | 71 |  |  | 223 |  |  | 450 |
Provision (benefit) | 430 |  |  | 226 |  |  | (189 | ) |  | 160 |  |  | 153 |  |  | 102 |  |  | 193 |  |  | 1,075 |
Ending balance | $ | 15,108 |  |  | $ | 32,268 |  |  | $ | 5,027 |  |  | $ | 1,768 |  |  | $ | 3,071 |  |  | $ | 5,554 |  |  | $ | 439 |  |  | $ | 63,235 |
| Nine Months Ended September 30, 2019
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 15,760 |  |  | $ | 32,370 |  |  | $ | 5,158 |  |  | $ | 1,756 |  |  | $ | 3,219 |  |  | $ | 5,608 |  |  | $ | 422 |  |  | $ | 64,293 |
Charge-offs | — |  |  | (82 | ) |  | — |  |  | (319 | ) |  | — |  |  | (212 | ) |  | (1,125 | ) |  | (1,738 | )
Recoveries | 1,127 |  |  | 152 |  |  | — |  |  | 108 |  |  | 141 |  |  | 278 |  |  | 581 |  |  | 2,387 |
Provision (benefit) | 445 |  |  | 211 |  |  | 675 |  |  | 207 |  |  | (12 | ) |  | 75 |  |  | 399 |  |  | 2,000 |
Ending balance | $ | 17,332 |  |  | $ | 32,651 |  |  | $ | 5,833 |  |  | $ | 1,752 |  |  | $ | 3,348 |  |  | $ | 5,749 |  |  | $ | 277 |  |  | $ | 66,942 |
Ending balance: collectively evaluated for impairment | $ | 17,326 |  |  | $ | 32,610 |  |  | $ | 5,833 |  |  | $ | 1,741 |  |  | $ | 2,729 |  |  | $ | 5,594 |  |  | $ | 272 |  |  | $ | 66,105 |
Ending balance: individually evaluated for impairment | $ | 6 |  |  | $ | 41 |  |  | $ | — |  |  | $ | 11 |  |  | $ | 619 |  |  | $ | 155 |  |  | $ | 5 |  |  | $ | 837 |
| Nine Months Ended September 30, 2018
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 13,256 |  |  | $ | 31,453 |  |  | $ | 5,698 |  |  | $ | 1,577 |  |  | $ | 2,822 |  |  | $ | 5,390 |  |  | $ | 447 |  |  | $ | 60,643 |
Charge-offs | (355 | ) |  | (82 | ) |  | — |  |  | (237 | ) |  | (148 | ) |  | (261 | ) |  | (926 | ) |  | (2,009 | )
Recoveries | 179 |  |  | 67 |  |  | — |  |  | 29 |  |  | 12 |  |  | 128 |  |  | 611 |  |  | 1,026 |
Provision (benefit) | 2,028 |  |  | 830 |  |  | (671 | ) |  | 399 |  |  | 385 |  |  | 297 |  |  | 307 |  |  | 3,575 |
Ending balance | $ | 15,108 |  |  | $ | 32,268 |  |  | $ | 5,027 |  |  | $ | 1,768 |  |  | $ | 3,071 |  |  | $ | 5,554 |  |  | $ | 439 |  |  | $ | 63,235 |
Ending balance: collectively evaluated for impairment | $ | 15,101 |  |  | $ | 32,234 |  |  | $ | 5,027 |  |  | $ | 1,767 |  |  | $ | 2,197 |  |  | $ | 5,386 |  |  | $ | 426 |  |  | $ | 62,138 |
Ending balance: individually evaluated for impairment | $ | 7 |  |  | $ | 34 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 874 |  |  | $ | 168 |  |  | $ | 13 |  |  | $ | 1,097 |
Internal risk-rating categories for the Company's commercial portfolio | The following tables detail the amount of outstanding principal balances relative to each of the risk-rating categories for the Company’s commercial portfolio:
|  |  | September 30, 2019
Category | Risk Rating |  | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Total
|  |  | (Dollars in thousands)
Pass | 1 - 6 |  | $ | 1,299,386 |  |  | $ | 3,857,847 |  |  | $ | 514,521 |  |  | $ | 169,023 |  |  | $ | 5,840,777 |
Potential weakness | 7 |  | 47,727 |  |  | 89,772 |  |  | 4,235 |  |  | 1,434 |  |  | 143,168 |
Definite weakness-loss unlikely | 8 |  | 64,403 |  |  | 52,868 |  |  | 1,829 |  |  | 1,581 |  |  | 120,681 |
Partial loss probable | 9 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | 10 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  |  | $ | 1,411,516 |  |  | $ | 4,000,487 |  |  | $ | 520,585 |  |  | $ | 172,038 |  |  | $ | 6,104,626 |
|  |  | December 31, 2018
Category | Risk Rating |  | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Total
|  |  | (Dollars in thousands)
Pass | 1 - 6 |  | $ | 1,014,370 |  |  | $ | 3,156,989 |  |  | $ | 361,884 |  |  | $ | 161,851 |  |  | $ | 4,695,094 |
Potential weakness | 7 |  | 16,860 |  |  | 56,840 |  |  | 298 |  |  | 888 |  |  | 74,886 |
Definite weakness-loss unlikely | 8 |  | 58,909 |  |  | 37,419 |  |  | 2,983 |  |  | 1,937 |  |  | 101,248 |
Partial loss probable | 9 |  | 3,490 |  |  | — |  |  | — |  |  | — |  |  | 3,490 |
Definite loss | 10 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  |  | $ | 1,093,629 |  |  | $ | 3,251,248 |  |  | $ | 365,165 |  |  | $ | 164,676 |  |  | $ | 4,874,718 |
Weighted average FICO scores and the weighted average combined LTV ratio | The following table shows the weighted average FICO scores and the weighted average combined LTV ratios as of the periods indicated below:
| September 30 2019 |  | December 31 2018
Residential portfolio |  |  |
FICO score (re-scored)(1) | 749 |  |  | 749 |
LTV (re-valued)(2) | 60.0 | % |  | 58.6 | %
Home equity portfolio |  |  |
FICO score (re-scored)(1) | 767 |  |  | 767 |
LTV (re-valued)(2)(3) | 47.1 | % |  | 49.3 | %
(1) | The average FICO scores at September 30, 2019 are based upon rescores available from June 2019 or origination data for loans booked through September 2019. The average FICO scores at December 31, 2018 are based upon rescores available from November 2018 and origination score data for loans booked in December 2018.
(2) | The combined LTV ratios for September 30, 2019 are based upon updated automated valuations as of August 2019, when available, or the most current valuation data available. The combined LTV ratios for December 31, 2018 are based upon updated automated valuations as of November 2018, when available, and/or the most current valuation data available. The updated automated valuations provide new information on loans that may be available since the previous valuation was obtained. If no new information is available, the valuation will default to the previously obtained data or most recent appraisal.
(3) For home equity loans and lines in a subordinate lien, the LTV data represents a combined LTV, taking into account the senior lien data for loans and lines.
Summary of nonaccrual loans | The following table shows information regarding nonaccrual loans at the dates indicated:
| September 30, 2019 |  | December 31, 2018
| (Dollars in thousands)
Commercial and industrial | $ | 23,507 |  |  | $ | 26,310 |
Commercial real estate | 1,666 |  |  | 3,015 |
Commercial construction | — |  |  | 311 |
Small business | 112 |  |  | 235 |
Residential real estate | 11,281 |  |  | 8,251 |
Home equity | 6,720 |  |  | 7,278 |
Other consumer | 74 |  |  | 13 |
Total nonaccrual loans (1) | $ | 43,360 |  |  | $ | 45,413 |
(1)Included in these amounts were $26.2 million and $29.3 million of nonaccruing TDRs at September 30, 2019 and December 31, 2018, respectively.
Foreclosed Residential Real Estate Property [Table Text Block] | The following table shows information regarding foreclosed residential real estate property at the dates indicated:
| September 30, 2019 |  | December 31, 2018
| (Dollars in thousands)
Foreclosed residential real estate property held by the creditor | $ | 2,500 |  |  | $ | — |
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure | $ | 4,141 |  |  | $ | 3,174 |
Age analysis of past due financing receivables | The following tables show the age analysis of past due financing receivables as of the dates indicated:
| September 30, 2019 |
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  |  |  | Total Financing Receivables |  | Recorded Investment >90 Days and Accruing |
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Current |  |
| (Dollars in thousands) |
Loan Portfolio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1 |  |  | $ | 278 |  |  | 2 |  |  | $ | 100 |  |  | 3 |  |  | $ | 39 |  |  | 6 |  |  | $ | 417 |  |  | $ | 1,411,099 |  |  | $ | 1,411,516 |  |  | $ | — |  |
Commercial real estate | 6 |  |  | 1,641 |  |  | 2 |  |  | 238 |  |  | 4 |  |  | 1,021 |  |  | 12 |  |  | 2,900 |  |  | 3,997,587 |  |  | 4,000,487 |  |  | — |  |
Commercial construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 520,585 |  |  | 520,585 |  |  | — |  |
Small business | 10 |  |  | 315 |  |  | 5 |  |  | 260 |  |  | 7 |  |  | 99 |  |  | 22 |  |  | 674 |  |  | 171,364 |  |  | 172,038 |  |  | — |  |
Residential real estate | 24 |  |  | 3,267 |  |  | 6 |  |  | 1,257 |  |  | 40 |  |  | 8,317 |  |  | 70 |  |  | 12,841 |  |  | 1,631,917 |  |  | 1,644,758 |  |  | 1,807 |  | (1)
Home equity | 23 |  |  | 1,974 |  |  | 8 |  |  | 982 |  |  | 36 |  |  | 3,314 |  |  | 67 |  |  | 6,270 |  |  | 1,130,839 |  |  | 1,137,109 |  |  | 511 |  | (1)
Other consumer (2) | 307 |  |  | 233 |  |  | 8 |  |  | 44 |  |  | 16 |  |  | 62 |  |  | 331 |  |  | 339 |  |  | 26,669 |  |  | 27,008 |  |  | 24 |  |
Total | 371 |  |  | $ | 7,708 |  |  | 31 |  |  | $ | 2,881 |  |  | 106 |  |  | $ | 12,852 |  |  | 508 |  |  | $ | 23,441 |  |  | $ | 8,890,060 |  |  | $ | 8,913,501 |  |  | $ | 2,342 |  |
| December 31, 2018 |
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  |  |  | Total Financing Receivables |  | Recorded Investment >90 Days and Accruing |
| Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Number of Loans |  | Principal Balance |  | Current |  |
| (Dollars in thousands) |
Loan Portfolio |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | $ | — |  |  | 4 |  |  | $ | 382 |  |  | 11 |  |  | $ | 26,311 |  |  | 15 |  |  | $ | 26,693 |  |  | $ | 1,066,936 |  |  | $ | 1,093,629 |  |  | $ | — |  |
Commercial real estate | 9 |  |  | 1,627 |  |  | — |  |  | — |  |  | 8 |  |  | 2,250 |  |  | 17 |  |  | 3,877 |  |  | 3,247,371 |  |  | 3,251,248 |  |  | — |  |
Commercial construction | 1 |  |  | 1,271 |  |  | — |  |  | — |  |  | 1 |  |  | 311 |  |  | 2 |  |  | 1,582 |  |  | 363,583 |  |  | 365,165 |  |  | — |  |
Small business | 15 |  |  | 506 |  |  | 19 |  |  | 87 |  |  | 24 |  |  | 162 |  |  | 58 |  |  | 755 |  |  | 163,921 |  |  | 164,676 |  |  | — |  |
Residential real estate | 23 |  |  | 3,486 |  |  | 6 |  |  | 521 |  |  | 25 |  |  | 4,382 |  |  | 54 |  |  | 8,389 |  |  | 914,905 |  |  | 923,294 |  |  | — |  |
Home equity | 22 |  |  | 1,331 |  |  | 12 |  |  | 855 |  |  | 29 |  |  | 2,663 |  |  | 63 |  |  | 4,849 |  |  | 1,087,235 |  |  | 1,092,084 |  |  | — |  |
Other consumer (2) | 330 |  |  | 181 |  |  | 15 |  |  | 9 |  |  | 12 |  |  | 13 |  |  | 357 |  |  | 203 |  |  | 15,895 |  |  | 16,098 |  |  | 5 |  |
Total | 400 |  |  | $ | 8,402 |  |  | 56 |  |  | $ | 1,854 |  |  | 110 |  |  | $ | 36,092 |  |  | 566 |  |  | $ | 46,348 |  |  | $ | 6,859,846 |  |  | $ | 6,906,194 |  |  | $ | 5 |  |
(1) | Represents purchased credit impaired loans that are accruing interest due to expectations of future cash collections.
(2) | Other consumer portfolio is inclusive of deposit account overdrafts recorded as loan balances.
Summary of Troubled Debt Restructuring and other pertinent information | The following table shows the Company’s total TDRs and other pertinent information as of the dates indicated:
| September 30, 2019 |  | December 31, 2018
| (Dollars in thousands)
TDRs on accrual status | $ | 20,182 |  |  | $ | 23,849 |
TDRs on nonaccrual | 26,232 |  |  | 29,348 |
Total TDRs | $ | 46,414 |  |  | $ | 53,197 |
Amount of specific reserves included in the allowance for loan losses associated with TDRs | $ | 837 |  |  | $ | 1,079 |
Additional commitments to lend to a borrower who has been a party to a TDR | $ | 61 |  |  | $ | 982 |
Change in investment recorded subsequent to modifications | The following tables show the modifications which occurred during the periods indicated and the change in the recorded investment subsequent to the modifications occurring:
| Three Months Ended |  | Nine Months Ended
| September 30, 2019 |  | September 30, 2019
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1 |  |  | $ | 87 |  |  | $ | 87 |  |  | 2 |  |  | $ | 184 |  |  | $ | 184 |
Commercial real estate | 1 |  |  | 133 |  |  | 133 |  |  | 2 |  |  | 283 |  |  | 283 |
Small business | 1 |  |  | 19 |  |  | 19 |  |  | 2 |  |  | 33 |  |  | 33 |
Residential real estate | 1 |  |  | 163 |  |  | 168 |  |  | 1 |  |  | 163 |  |  | 168 |
Home equity | 1 |  |  | 46 |  |  | 46 |  |  | 2 |  |  | 121 |  |  | 121 |
Total | 5 |  |  | $ | 448 |  |  | $ | 453 |  |  | 9 |  |  | $ | 784 |  |  | $ | 789 |
| Three Months Ended |  | Nine Months Ended
| September 30, 2018 |  | September 30, 2018
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 2 |  |  | $ | 126 |  |  | $ | 126 |  |  | 2 |  |  | $ | 126 |  |  | $ | 126 |
Commercial real estate | 1 |  |  | 205 |  |  | 205 |  |  | 2 |  |  | 650 |  |  | 650 |
Residential real estate | 3 |  |  | 503 |  |  | 523 |  |  | 4 |  |  | 652 |  |  | 672 |
Home equity | 2 |  |  | 74 |  |  | 74 |  |  | 8 |  |  | 546 |  |  | 546 |
Total | 8 |  |  | $ | 908 |  |  | $ | 928 |  |  | 16 |  |  | $ | 1,974 |  |  | $ | 1,994 |
Post modification balance of Troubled Debt Restructuring | The following table shows the Company’s post-modification balance of TDRs listed by type of modification during the periods indicated:
| Three Months Ended |  | Nine Months Ended
| September 30 |  | September 30
| 2019 |  | 2018 |  | 2019 |  | 2018
| (Dollars in thousands) |  | (Dollars in thousands)
Adjusted interest rate | $ | — |  |  | $ | — |  |  | $ | 150 |  |  | $ | — |
Combination rate and maturity | — |  |  | 237 |  |  | — |  |  | 237 |
Court ordered concession | — |  |  | 74 |  |  | 75 |  |  | 695 |
Extended maturity | 453 |  |  | 617 |  |  | 606 |  |  | 1,062 |
Total | $ | 453 |  |  | $ | 928 |  |  | $ | 831 |  |  | $ | 1,994 |
Impaired loans by loan portfolio | The tables below set forth information regarding the Company’s impaired loans by loan portfolio at the dates indicated:
| September 30, 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |
Commercial and industrial | $ | 25,788 |  |  | $ | 36,356 |  |  | $ | — |
Commercial real estate | 12,588 |  |  | 12,797 |  |  | — |
Small business | 225 |  |  | 235 |  |  | — |
Residential real estate | 5,009 |  |  | 5,161 |  |  | — |
Home equity | 4,373 |  |  | 4,633 |  |  | — |
Other consumer | 37 |  |  | 38 |  |  | — |
Subtotal | 48,020 |  |  | 59,220 |  |  | — |
With an allowance recorded |  |  |  |  |
Commercial and industrial | $ | 349 |  |  | $ | 350 |  |  | $ | 6 |
Commercial real estate | 1,396 |  |  | 1,396 |  |  | 41 |
Small business | 90 |  |  | 127 |  |  | 11 |
Residential real estate | 6,030 |  |  | 6,934 |  |  | 619 |
Home equity | 952 |  |  | 1,114 |  |  | 155 |
Other consumer | 103 |  |  | 114 |  |  | 5 |
Subtotal | 8,920 |  |  | 10,035 |  |  | 837 |
Total | $ | 56,940 |  |  | $ | 69,255 |  |  | $ | 837 |
| December 31, 2018
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |
Commercial and industrial | $ | 28,459 |  |  | $ | 35,913 |  |  | $ | — |
Commercial real estate | 9,552 |  |  | 9,832 |  |  | — |
Small business | 358 |  |  | 439 |  |  | — |
Residential real estate | 4,518 |  |  | 4,686 |  |  | — |
Home equity | 4,957 |  |  | 5,199 |  |  | — |
Other consumer | 56 |  |  | 56 |  |  | — |
Subtotal | 47,900 |  |  | 56,125 |  |  | — |
With an allowance recorded |  |  |  |  |
Commercial and industrial | $ | 370 |  |  | $ | 370 |  |  | $ | 7 |
Commercial real estate | 1,287 |  |  | 1,287 |  |  | 37 |
Small business | 183 |  |  | 223 |  |  | 1 |
Residential real estate | 8,188 |  |  | 9,217 |  |  | 862 |
Home equity | 991 |  |  | 1,149 |  |  | 164 |
Other consumer | 141 |  |  | 143 |  |  | 8 |
Subtotal | 11,160 |  |  | 12,389 |  |  | 1,079 |
Total | $ | 59,060 |  |  | $ | 68,514 |  |  | $ | 1,079 |
Interest income recognized on impaired loans | The following tables set forth information regarding interest income recognized on impaired loans, by portfolio, for the periods indicated:
| Three Months Ended |  | Nine Months Ended
| September 30, 2019 |  | September 30, 2019
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |  |  |
Commercial and industrial | $ | 25,694 |  |  | $ | 35 |  |  | $ | 27,937 |  |  | $ | 108 |
Commercial real estate | 12,987 |  |  | 149 |  |  | 13,261 |  |  | 478 |
Small business | 235 |  |  | 3 |  |  | 266 |  |  | 10 |
Residential real estate | 5,031 |  |  | 57 |  |  | 5,061 |  |  | 175 |
Home equity | 4,417 |  |  | 50 |  |  | 4,479 |  |  | 151 |
Other consumer | 39 |  |  | 1 |  |  | 43 |  |  | 2 |
Subtotal | 48,403 |  |  | 295 |  |  | 51,047 |  |  | 924 |
With an allowance recorded |  |  |  |  |  |  |
Commercial and industrial | $ | 353 |  |  | $ | 4 |  |  | $ | 360 |  |  | $ | 13 |
Commercial real estate | 1,402 |  |  | 20 |  |  | 1,415 |  |  | 60 |
Small business | 92 |  |  | — |  |  | 95 |  |  | 2 |
Residential real estate | 6,047 |  |  | 61 |  |  | 6,115 |  |  | 179 |
Home equity | 959 |  |  | 11 |  |  | 972 |  |  | 33 |
Other consumer | 107 |  |  | 1 |  |  | 116 |  |  | 3 |
Subtotal | 8,960 |  |  | 97 |  |  | 9,073 |  |  | 290 |
Total | $ | 57,363 |  |  | $ | 392 |  |  | $ | 60,120 |  |  | $ | 1,214 |
| Three Months Ended |  | Nine Months Ended
| September 30, 2018 |  | September 30, 2018
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |  |  |
Commercial and industrial | $ | 31,376 |  |  | $ | 28 |  |  | $ | 32,424 |  |  | $ | 89 |
Commercial real estate | 12,040 |  |  | 135 |  |  | 12,423 |  |  | 428 |
Small business | 432 |  |  | 4 |  |  | 478 |  |  | 13 |
Residential real estate | 4,798 |  |  | 56 |  |  | 4,826 |  |  | 173 |
Home equity | 5,078 |  |  | 58 |  |  | 5,185 |  |  | 168 |
Other consumer | 62 |  |  | 1 |  |  | 66 |  |  | 3 |
Subtotal | 53,786 |  |  | 282 |  |  | 55,402 |  |  | 874 |
With an allowance recorded |  |  |  |  |  |  |
Commercial and industrial | $ | 324 |  |  | $ | 4 |  |  | $ | 330 |  |  | $ | 11 |
Commercial real estate | 1,701 |  |  | 24 |  |  | 1,715 |  |  | 71 |
Small business | 148 |  |  | 3 |  |  | 154 |  |  | 8 |
Residential real estate | 8,057 |  |  | 69 |  |  | 8,194 |  |  | 207 |
Home equity | 1,453 |  |  | 14 |  |  | 1,467 |  |  | 39 |
Other consumer | 187 |  |  | 1 |  |  | 194 |  |  | 4 |
Subtotal | 11,870 |  |  | 115 |  |  | 12,054 |  |  | 340 |
Total | $ | 65,656 |  |  | $ | 397 |  |  | $ | 67,456 |  |  | $ | 1,214 |
Certain Loans Acquired In Transfer Accounted For As Debt Securities Acquired During Period | The following table displays certain information pertaining to PCI loans at the dates indicated:
| September 30, 2019 |  | December 31, 2018
| (Dollars in thousands)
Outstanding balance | $ | 19,822 |  |  | $ | 9,749 |
Carrying amount | $ | 15,959 |  |  | $ | 8,795 |
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule | The following table summarizes activity in the accretable yield for the PCI loan portfolio:
| Three Months Ended September 30 |  | Nine Months Ended September 30
| 2019 |  | 2018 |  | 2019 |  | 2018
| (Dollars in thousands)
Beginning balance | $ | 2,238 |  |  | $ | 1,604 |  |  | $ | 1,191 |  |  | $ | 1,791 |
Acquisition | — |  |  | — |  |  | 1,464 |  |  | — |
Accretion | (412 | ) |  | (518 | ) |  | (1,215 | ) |  | (931 | )
Other change in expected cash flows (1) | 237 |  |  | 104 |  |  | 623 |  |  | 308 |
Reclassification from nonaccretable difference for loans which have paid off (2) | 227 |  |  | 203 |  |  | 227 |  |  | 225 |
Ending balance | $ | 2,290 |  |  | $ | 1,393 |  |  | $ | 2,290 |  |  | $ | 1,393 |
(1) Represents changes in cash flows expected to be collected and resulting in increased interest income as a prospective yield adjustment over the remaining life of the loan(s). (2) Results in increased interest income during the period in which the loan paid off at amount greater than originally expected.

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