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Loans, Allowance for Loan Losses and Credit Quality (Tables) | 3 Months Ended
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Mar. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items] |
Tabular disclosure of financing receivables bifurcated by type of impairment evaluation [Table Text Block] | The following table bifurcates the amount of loans and the allowance allocated to each loan category based on the type of impairment analysis as of December 31, 2019:
| December 31, 2019 |
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total |
| (Dollars in thousands) |
Financing receivables ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment | $ | 1,370,580 |  |  | $ | 3,987,848 |  |  | $ | 547,293 |  |  | $ | 173,960 |  |  | $ | 1,571,848 |  |  | $ | 1,127,963 |  |  | $ | 29,663 |  |  | $ | 8,809,155 |  |
Individually evaluated for impairment | 24,456 |  |  | 8,337 |  |  | — |  |  | 537 |  |  | 11,228 |  |  | 4,948 |  |  | 122 |  |  | 49,628 |  |
Purchased credit impaired loans | — |  |  | 6,174 |  |  | — |  |  | — |  |  | 7,493 |  |  | 887 |  |  | 302 |  |  | 14,856 |  |
Total loans by group | $ | 1,395,036 |  |  | $ | 4,002,359 |  |  | $ | 547,293 |  |  | $ | 174,497 |  |  | $ | 1,590,569 |  |  | $ | 1,133,798 |  |  | $ | 30,087 |  |  | $ | 8,873,639 |  | (1)
(1) The amount of net deferred costs on originated loans included in the ending balance was $7.1 million at December 31, 2019. Net unamortized discounts on acquired loans not deemed to be purchased credit impaired ("PCI") included in the ending balance was
Summary of changes in allowance for loan losses | The following table summarizes the change in allowance for credit losses by loan category, and bifurcates the amount of loans allocated to each loan category for the period indicated:
| Three Months Ended March 31, 2020
| (Dollars in thousands)
| Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Residential Real Estate |  | Home Equity |  | Other Consumer |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, pre adoption of Topic 326 | $ | 17,594 |  |  | $ | 32,935 |  |  | $ | 6,053 |  |  | $ | 1,746 |  |  | $ | 3,440 |  |  | $ | 5,576 |  |  | $ | 396 |  |  | $ | 67,740 |
Cumulative effect accounting adjustment (1) | (1,984 | ) |  | (13,048 | ) |  | (3,652 | ) |  | 495 |  |  | 9,828 |  |  | 7,012 |  |  | 212 |  |  | (1,137 | )
Cumulative effect accounting adjustment (2) | 49 |  |  | 337 |  |  | — |  |  | — |  |  | 423 |  |  | 319 |  |  | 29 |  |  | 1,157 |
Charge-offs | — |  |  | — |  |  | — |  |  | 109 |  |  | — |  |  | 138 |  |  | 487 |  |  | 734 |
Recoveries | 42 |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  | 58 |  |  | 246 |  |  | 350 |
Provision for credit loss expense | 5,948 |  |  | 9,274 |  |  | 1,346 |  |  | 1,694 |  |  | 1,155 |  |  | 5,083 |  |  | 500 |  |  | 25,000 |
Ending balance (3) | $ | 21,649 |  |  | $ | 29,498 |  |  | $ | 3,747 |  |  | $ | 3,829 |  |  | $ | 14,847 |  |  | $ | 17,910 |  |  | $ | 896 |  |  | $ | 92,376 |
(1) | Represents adjustment needed to reflect the cumulative day one impact pursuant to the Company's adoption of Accounting Standards Update 2016-13. The adjustment represents a $1.1 million decrease to the allowance attributable to the change in accounting methodology for estimating the allowance for credit losses resulting from the Company's adoption of the standard.
(2) | Represents adjustment needed to reflect the day one re-class of the Company's PCI loan balances to PCD and the associated gross-up, pursuant to the Company's adoption of Accounting Standards Update 2016-13. The adjustment represents a $1.2 million increase to the allowance resulting from the day one re-class.
(3) Balances of accrued interest receivable excluded from amortized cost and the calculation of allowance for credit losses amounted to $25.9 million as of March 31, 2020. The following table summarizes changes in allowance for loan losses by loan category for the period indicated:
| Three Months Ended March 31, 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 | — |  |  | — |  |  | — |  |  | (145 | ) |  | — |  |  | (113 | ) |  | (301 | ) |  | (559 | )
Recoveries | 124 |  |  | 33 |  |  | — |  |  | 27 |  |  | 1 |  |  | 66 |  |  | 155 |  |  | 406 |
Provision (benefit) | 988 |  |  | (354 | ) |  | 197 |  |  | 146 |  |  | 14 |  |  | (54 | ) |  | 63 |  |  | 1,000 |
Ending balance | $ | 16,872 |  |  | $ | 32,049 |  |  | $ | 5,355 |  |  | $ | 1,784 |  |  | $ | 3,234 |  |  | $ | 5,507 |  |  | $ | 339 |  |  | $ | 65,140 |
Ending balance: collectively evaluated for impairment | $ | 16,814 |  |  | $ | 31,974 |  |  | $ | 5,355 |  |  | $ | 1,783 |  |  | $ | 2,432 |  |  | $ | 5,346 |  |  | $ | 332 |  |  | $ | 64,036 |
Ending balance: individually evaluated for impairment | $ | 58 |  |  | $ | 75 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 802 |  |  | $ | 161 |  |  | $ | 7 |  |  | $ | 1,104 |
Internal risk-rating categories for the Company's commercial portfolio | he following table details the amortized cost balances of the Company's loan portfolios, presented by credit quality indicator and origination year as of March 31, 2020:
| March 31, 2020
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans |  | Revolving converted to Term |  | Total
| (Dollars in thousands)
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 119,886 |  |  | $ | 213,925 |  |  | $ | 138,376 |  |  | $ | 50,323 |  |  | $ | 36,685 |  |  | $ | 33,576 |  |  | $ | 736,304 |  |  | $ | 327 |  |  | $ | 1,329,402 |
Potential weakness | 362 |  |  | 5,432 |  |  | 1,489 |  |  | 4,909 |  |  | 725 |  |  | 697 |  |  | 21,780 |  |  | 50 |  |  | 35,444 |
Definite weakness - loss unlikely | 495 |  |  | 2,128 |  |  | 26,006 |  |  | 5,589 |  |  | 2,604 |  |  | 1,575 |  |  | 44,932 |  |  | — |  |  | 83,329 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49 |  |  | — |  |  | — |  |  | 49 |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial | $ | 120,743 |  |  | $ | 221,485 |  |  | $ | 165,871 |  |  | $ | 60,821 |  |  | $ | 40,014 |  |  | $ | 35,897 |  |  | $ | 803,016 |  |  | $ | 377 |  |  | $ | 1,448,224 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 260,217 |  |  | $ | 943,205 |  |  | $ | 586,125 |  |  | $ | 651,335 |  |  | $ | 468,824 |  |  | $ | 945,248 |  |  | $ | 48,056 |  |  | $ | 2,987 |  |  | $ | 3,905,997 |
Potential weakness | 1,809 |  |  | 8,303 |  |  | 33,755 |  |  | 8,506 |  |  | 9,851 |  |  | 42,382 |  |  | — |  |  | — |  |  | 104,606 |
Definite weakness - loss unlikely | — |  |  | 3,612 |  |  | 7,432 |  |  | 20,395 |  |  | 6,993 |  |  | 12,312 |  |  | — |  |  | — |  |  | 50,744 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial real estate | $ | 262,026 |  |  | $ | 955,120 |  |  | $ | 627,312 |  |  | $ | 680,236 |  |  | $ | 485,668 |  |  | $ | 999,942 |  |  | $ | 48,056 |  |  | $ | 2,987 |  |  | $ | 4,061,347 |
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 43,369 |  |  | $ | 221,773 |  |  | $ | 114,561 |  |  | $ | 73,493 |  |  | $ | — |  |  | $ | 6,867 |  |  | $ | 44,225 |  |  | $ | 325 |  |  | $ | 504,613 |
Potential weakness | — |  |  | 554 |  |  | 347 |  |  | 19,044 |  |  | — |  |  | — |  |  | 347 |  |  | — |  |  | 20,292 |
Definite weakness - loss unlikely | — |  |  | — |  |  | 1,887 |  |  | — |  |  | — |  |  | — |  |  | 346 |  |  | — |  |  | 2,233 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | $ | 43,369 |  |  | $ | 222,327 |  |  | $ | 116,795 |  |  | $ | 92,537 |  |  | $ | — |  |  | $ | 6,867 |  |  | $ | 44,918 |  |  | $ | 325 |  |  | $ | 527,138 |
Small business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 8,414 |  |  | $ | 31,651 |  |  | $ | 25,184 |  |  | $ | 17,848 |  |  | $ | 17,594 |  |  | $ | 26,734 |  |  | $ | 47,109 |  |  | $ | — |  |  | $ | 174,534 |
Potential weakness | — |  |  | 12 |  |  | 18 |  |  | 13 |  |  | 753 |  |  | 259 |  |  | 597 |  |  | — |  |  | 1,652 |
Definite weakness - loss unlikely | — |  |  | 47 |  |  | 133 |  |  | 51 |  |  | 169 |  |  | 598 |  |  | 636 |  |  | — |  |  | 1,634 |
Partial loss probable | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total small business | $ | 8,414 |  |  | $ | 31,710 |  |  | $ | 25,335 |  |  | $ | 17,912 |  |  | $ | 18,516 |  |  | $ | 27,591 |  |  | $ | 48,342 |  |  | $ | — |  |  | $ | 177,820 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 39,122 |  |  | $ | 204,524 |  |  | $ | 260,899 |  |  | $ | 210,662 |  |  | $ | 283,255 |  |  | $ | 523,742 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,522,204 |
Default | — |  |  | — |  |  | 427 |  |  | 435 |  |  | — |  |  | 5,350 |  |  | — |  |  | — |  |  | 6,212 |
Total residential real estate | $ | 39,122 |  |  | $ | 204,524 |  |  | $ | 261,326 |  |  | $ | 211,097 |  |  | $ | 283,255 |  |  | $ | 529,092 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,528,416 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 23,397 |  |  | $ | 75,161 |  |  | $ | 70,081 |  |  | $ | 67,740 |  |  | $ | 51,106 |  |  | $ | 138,733 |  |  | $ | 715,169 |  |  | $ | 1,853 |  |  | $ | 1,143,240 |
Default | — |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 579 |  |  | 2,372 |  |  | 61 |  |  | 3,030 |
Total home equity | $ | 23,397 |  |  | $ | 75,161 |  |  | $ | 70,081 |  |  | $ | 67,758 |  |  | $ | 51,106 |  |  | $ | 139,312 |  |  | $ | 717,541 |  |  | $ | 1,914 |  |  | $ | 1,146,270 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 414 |  |  | $ | 705 |  |  | $ | 356 |  |  | $ | 1,049 |  |  | $ | 1,000 |  |  | $ | 10,850 |  |  | $ | 12,767 |  |  | $ | — |  |  | $ | 27,141 |
Default | — |  |  | — |  |  | — |  |  | 19 |  |  | — |  |  | 39 |  |  | 16 |  |  | — |  |  | 74 |
Total other consumer | $ | 414 |  |  | $ | 705 |  |  | $ | 356 |  |  | $ | 1,068 |  |  | $ | 1,000 |  |  | $ | 10,889 |  |  | $ | 12,783 |  |  | $ | — |  |  | $ | 27,215 |
Total | $ | 497,485 |  |  | $ | 1,711,032 |  |  | $ | 1,267,076 |  |  | $ | 1,131,429 |  |  | $ | 879,559 |  |  | $ | 1,749,590 |  |  | $ | 1,674,656 |  |  | $ | 5,603 |  |  | $ | 8,916,430 |
The following tables detail the amount of outstanding principal balances relative to each of the risk-rating categories for the Company’s loan portfolio as of December 31, 2019:
|  |  | December 31, 2019
Category | Risk Rating |  | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Construction |  | Small Business |  | Total
|  |  | (Dollars in thousands)
Pass | 1 - 6 |  | $ | 1,274,155 |  |  | $ | 3,860,555 |  |  | $ | 542,608 |  |  | $ | 171,213 |  |  | $ | 5,848,531 |
Potential weakness | 7 |  | 63,485 |  |  | 97,268 |  |  | 2,247 |  |  | 1,416 |  |  | 164,416 |
Definite weakness-loss unlikely | 8 |  | 57,396 |  |  | 44,536 |  |  | 2,438 |  |  | 1,868 |  |  | 106,238 |
Partial loss probable | 9 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Definite loss | 10 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  |  | $ | 1,395,036 |  |  | $ | 4,002,359 |  |  | $ | 547,293 |  |  | $ | 174,497 |  |  | $ | 6,119,185 |
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:
| March 31 2020 |  | December 31 2019
Residential portfolio |  |  |
FICO score (re-scored)(1) | 749 |  |  | 749 |
LTV (re-valued)(2) | 58.1 | % |  | 59.0 | %
Home equity portfolio |  |  |
FICO score (re-scored)(1) | 768 |  |  | 767 |
LTV (re-valued)(2)(3) | 46.9 | % |  | 46.6 | %
(1) | The average FICO scores at March 31, 2020 are based upon rescores available from February 2020 and origination score data for loans booked in March 2020. The average FICO scores at December 31, 2019 were based upon rescores available from November 2019 and origination score data for loans booked in December 2019.
(2) | The combined LTV ratios for March 31, 2020 are based upon updated automated valuations as of March 2020, when available, and/or the most current valuation data available. The combined LTV ratios for December 31, 2019 were based upon updated automated valuations as of November 2019, 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 as of the dates indicated:
| Nonaccrual Balances |
| March 31, 2020 |  | December 31, 2019 |
| With Allowance for Credit Losses |  | Without Allowance for Credit Losses |  | Total |  | Total |
| (Dollars in thousands) |
Commercial and industrial | $ | 1,078 |  |  | $ | 20,357 |  |  | $ | 21,435 |  |  | $ | 22,574 |  |
Commercial real estate | 1,305 |  |  | 3,644 |  |  | 4,949 |  |  | 3,016 |  |
Commercial construction | — |  |  | — |  |  | — |  |  | — |  |
Small business | 450 |  |  | — |  |  | 450 |  |  | 311 |  |
Residential real estate | 11,001 |  |  | 3,501 |  |  | 14,502 |  |  | 13,360 |  |
Home equity | 6,463 |  |  | 108 |  |  | 6,571 |  |  | 6,570 |  |
Other consumer | 108 |  |  | — |  |  | 108 |  |  | 61 |  |
Total nonaccrual loans | $ | 20,405 |  |  | $ | 27,610 |  |  | $ | 48,015 |  | (1) | $ | 45,892 |  | (1)
(1)Included in these amounts were $23.8 million and $24.8 million of nonaccruing TDRs at March 31, 2020 and December 31, 2019, re
Foreclosed Residential Real Estate Property [Table Text Block] | The following table shows information regarding foreclosed residential real estate property at the dates indicated:
| March 31, 2020 |  | December 31, 2019
| (Dollars in thousands)
Foreclosed residential real estate property held by the creditor | $ | — |  |  | $ | — |
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure | $ | 4,580 |  |  | $ | 3,294 |
Age analysis of past due financing receivables | The following tables show the age analysis of past due financing receivables as of the dates indicated:
| March 31, 2020 |
| 30-59 days |  | 60-89 days |  | 90 days or more |  | Total Past Due |  |  |  | Total Financing Receivables |  | Amortized Cost >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 | 13 |  |  | $ | 1,930 |  |  | — |  |  | $ | — |  |  | 6 |  |  | $ | 1,078 |  |  | 19 |  |  | $ | 3,008 |  |  | $ | 1,445,216 |  |  | $ | 1,448,224 |  |  | $ | — |  |
Commercial real estate | 18 |  |  | 6,989 |  |  | 2 |  |  | 383 |  |  | 7 |  |  | 1,499 |  |  | 27 |  |  | 8,871 |  |  | 4,052,476 |  |  | 4,061,347 |  |  | — |  |
Commercial construction | 1 |  |  | 331 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 331 |  |  | 526,807 |  |  | 527,138 |  |  | — |  |
Small business | 12 |  |  | 1,030 |  |  | 8 |  |  | 185 |  |  | 5 |  |  | 176 |  |  | 25 |  |  | 1,391 |  |  | 176,429 |  |  | 177,820 |  |  | — |  |
Residential real estate | 19 |  |  | 2,614 |  |  | 5 |  |  | 994 |  |  | 39 |  |  | 6,258 |  |  | 63 |  |  | 9,866 |  |  | 1,518,550 |  |  | 1,528,416 |  |  | — |  |
Home equity | 22 |  |  | 1,507 |  |  | 7 |  |  | 801 |  |  | 36 |  |  | 3,030 |  |  | 65 |  |  | 5,338 |  |  | 1,140,932 |  |  | 1,146,270 |  |  | — |  |
Other consumer (1) | 335 |  |  | 386 |  |  | 11 |  |  | 67 |  |  | 16 |  |  | 99 |  |  | 362 |  |  | 552 |  |  | 26,663 |  |  | 27,215 |  |  | 25 |  |
Total | 420 |  |  | $ | 14,787 |  |  | 33 |  |  | $ | 2,430 |  |  | 109 |  |  | $ | 12,140 |  |  | 562 |  |  | $ | 29,357 |  |  | $ | 8,887,073 |  |  | $ | 8,916,430 |  |  | $ | 25 |  |
| December 31, 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 |  |  | $ | 253 |  |  | 2 |  |  | $ | 323 |  |  | 5 |  |  | $ | 760 |  |  | 8 |  |  | $ | 1,336 |  |  | $ | 1,393,700 |  |  | $ | 1,395,036 |  |  | $ | — |  |
Commercial real estate | 7 |  |  | 1,690 |  |  | 1 |  |  | 194 |  |  | 8 |  |  | 2,038 |  |  | 16 |  |  | 3,922 |  |  | 3,998,437 |  |  | 4,002,359 |  |  | 218 |  | (2 | )
Commercial construction | 1 |  |  | 560 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 560 |  |  | 546,733 |  |  | 547,293 |  |  | — |  |
Small business | 11 |  |  | 837 |  |  | 3 |  |  | 15 |  |  | 6 |  |  | 115 |  |  | 20 |  |  | 967 |  |  | 173,530 |  |  | 174,497 |  |  | — |  |
Residential real estate | 17 |  |  | 2,237 |  |  | 17 |  |  | 3,055 |  |  | 38 |  |  | 7,020 |  |  | 72 |  |  | 12,312 |  |  | 1,578,257 |  |  | 1,590,569 |  |  | 1,652 |  | (2 | )
Home equity | 23 |  |  | 1,689 |  |  | 8 |  |  | 524 |  |  | 40 |  |  | 3,854 |  |  | 71 |  |  | 6,067 |  |  | 1,127,731 |  |  | 1,133,798 |  |  | 265 |  | (2 | )
Other consumer (1) | 387 |  |  | 245 |  |  | 12 |  |  | 44 |  |  | 16 |  |  | 32 |  |  | 415 |  |  | 321 |  |  | 29,766 |  |  | 30,087 |  |  | 22 |  |
Total | 447 |  |  | $ | 7,511 |  |  | 43 |  |  | $ | 4,155 |  |  | 113 |  |  | $ | 13,819 |  |  | 603 |  |  | $ | 25,485 |  |  | $ | 8,848,154 |  |  | $ | 8,873,639 |  |  | $ | 2,157 |  |
(1) | Other consumer portfolio is inclusive of deposit account overdrafts recorded as loan balances.
(2) | Represents purchased credit impaired loans that were accruing interest due to expectations of future cash collections.
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:
|  | March 31, 2020 |  | December 31, 2019
| (Dollars in thousands)
TDRs on accrual status |  | $ | 18,129 |  |  | $ | 19,599 |
TDRs on nonaccrual |  | 23,842 |  |  | 24,766 |
Total TDRs |  | $ | 41,971 |  |  | $ | 44,365 |
Amount of specific reserves included in the allowance for loan loss associated with TDRs |  | n/a |  |  | $ | 855 |
Additional commitments to lend to a borrower who has been a party to a TDR |  | $ | 163 |  |  | $ | 63 |
Change in investment recorded subsequent to modifications | The following table shows the modifications which occurred during the period indicated and the change in the recorded investment subsequent to the modifications occurring:
| Three Months Ended
| March 31, 2020
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |
Commercial and industrial | 2 |  |  | $ | 268 |  |  | $ | 268 |
Commercial real estate | 1 |  |  | 604 |  |  | 604 |
Small business | 1 |  |  | 49 |  |  | 25 |
Residential real estate | 1 |  |  | 177 |  |  | 209 |
Total | 5 |  |  | $ | 1,098 |  |  | $ | 1,106 |
| Three Months Ended
| March 31, 2019
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |
Commercial real estate | 1 |  |  | 150 |  |  | 150 |
Home equity | 1 |  |  | 75 |  |  | 75 |
Total | 2 |  |  | $ | 225 |  |  | $ | 225 |
Post modification balance of Troubled Debt Restructuring |
| Three Months Ended
| March 31, 2019
| Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| (Dollars in thousands)
Troubled debt restructurings |  |  |  |  |
Commercial real estate | 1 |  |  | 150 |  |  | 150 |
Home equity | 1 |  |  | 75 |  |  | 75 |
Total | 2 |  |  | $ | 225 |  |  | $ | 225 |
The following table shows the Company’s post-modification balance of TDRs listed by type of modification during the period indicated:
|  | Three Months Ended
|  | March 31
|  | 2020 |  | 2019
|  | (Dollars in thousands)
Adjusted interest rate |  | $ | 604 |  |  | $ | 150 |
Court ordered concession |  | 25 |  |  | 75 |
Extended maturity |  | 477 |  |  | — |
Total |  | $ | 1,106 |  |  | $ | 225 |
Impaired loans by loan portfolio | The table below sets forth information regarding the Company’s impaired loans by loan portfolio at the date indicated:
| December 31, 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
| (Dollars in thousands)
With no related allowance recorded |  |  |  |  |
Commercial and industrial | $ | 23,786 |  |  | $ | 34,970 |  |  | $ | — |
Commercial real estate | 6,213 |  |  | 12,101 |  |  | — |
Small business | 469 |  |  | 484 |  |  | — |
Residential real estate | 4,976 |  |  | 5,123 |  |  | — |
Home equity | 3,764 |  |  | 3,893 |  |  | — |
Other consumer | 34 |  |  | 34 |  |  | — |
Subtotal | 39,242 |  |  | 56,605 |  |  | — |
With an allowance recorded |  |  |  |  |
Commercial and industrial | $ | 670 |  |  | $ | 670 |  |  | $ | 126 |
Commercial real estate | 2,124 |  |  | 2,124 |  |  | 48 |
Small business | 68 |  |  | 105 |  |  | 8 |
Residential real estate | 6,252 |  |  | 7,163 |  |  | 637 |
Home equity | 1,184 |  |  | 1,382 |  |  | 156 |
Other consumer | 88 |  |  | 91 |  |  | 5 |
Subtotal | 10,386 |  |  | 11,535 |  |  | 980 |
Total | $ | 49,628 |  |  | $ | 68,140 |  |  | $ | 980 |
Interest income recognized on impaired loans | The following table sets forth information regarding interest income recognized on impaired loans, by portfolio, for the period indicated:
| Three Months Ended
| March 31, 2019
| Average Recorded Investment |  | Interest Income Recognized
| (Dollars in thousands)
With no related allowance recorded |  |  |
Commercial and industrial | $ | 30,198 |  |  | $ | 35 |
Commercial real estate | 8,873 |  |  | 104 |
Commercial construction | 311 |  |  | — |
Small business | 323 |  |  | 2 |
Residential real estate | 4,421 |  |  | 54 |
Home equity | 4,952 |  |  | 55 |
Other consumer | 53 |  |  | 1 |
Subtotal | 49,131 |  |  | 251 |
With an allowance recorded |  |  |
Commercial and industrial | $ | 498 |  |  | $ | 3 |
Commercial real estate | 1,682 |  |  | 24 |
Small business | 181 |  |  | 2 |
Residential real estate | 7,665 |  |  | 64 |
Home equity | 985 |  |  | 12 |
Other consumer | 138 |  |  | 1 |
Subtotal | 11,149 |  |  | 106 |
Total | $ | 60,280 |  |  | $ | 357 |
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 date indicated:
|  | December 31, 2019
|  | (Dollars in thousands)
Outstanding balance |  | $ | 18,358 |
Carrying amount |  | $ | 14,856 |
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 for the period indicated:
|  | Three Months Ended March 31
|  | 2019
|  | (Dollars in thousands)
Beginning balance |  | $ | 1,191 |
Accretion |  | (141 | )
Other change in expected cash flows (1) |  | 114 |
Reclassification from nonaccretable difference for loans which have paid off |  | — |
Ending balance |  | $ | 1,164 |
(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).

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