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Loans Receivable (Tables)
6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Summary of loans receivable The following table shows a summary of our loans receivable at amortized cost basis at June 30, 2022 and December 31, 2021 (in thousands): 
June 30, 2022December 31, 2021
 Originated (1)Acquired (2)TotalOriginated (1)Acquired (2)Total
Personal Banking:    
Residential mortgage loans (3)$3,101,251 185,524 3,286,775 2,783,459 211,161 2,994,620 
Home equity loans1,095,844 184,648 1,280,492 1,107,202 212,729 1,319,931 
Vehicle loans1,785,828 109,907 1,895,735 1,384,246 99,985 1,484,231 
Consumer loans97,939 8,871 106,810 307,961 46,556 354,517 
Total Personal Banking6,080,862 488,950 6,569,812 5,582,868 570,431 6,153,299 
Commercial Banking:      
Commercial real estate loans2,130,573 355,401 2,485,974 2,202,027 423,454 2,625,481 
Commercial real estate loans - owner occupied342,907 47,295 390,202 321,253 68,750 390,003 
Commercial loans926,565 60,271 986,836 765,877 81,732 847,609 
Total Commercial Banking3,400,045 462,967 3,863,012 3,289,157 573,936 3,863,093 
Total loans receivable, gross9,480,907 951,917 10,432,824 8,872,025 1,144,367 10,016,392 
Allowance for credit losses(84,300)(14,055)(98,355)(86,750)(15,491)(102,241)
Total loans receivable, net (4)$9,396,607 937,862 10,334,469 8,785,275 1,128,876 9,914,151 
(1) Includes originated and purchased loan pools purchased in an asset acquisition.
(2) Includes loans subject to purchase accounting in a business combination.
(3)     Includes fair value of $31.2 million and $25.1 million of loans held-for-sale at June 30, 2022 and December 31, 2021, respectively.
(4)    Includes $67.0 million and $62.8 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at June 30, 2022 and December 31, 2021, respectively.
During the six months ended June 30, 2022, the Company purchased a total of $115.8 million small business equipment finance loan pools and a total of $188.3 million one- to four-family jumbo mortgage loan pools.
Schedule of the changes in the allowance for losses on loans receivable The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2022 (in thousands):
Balance as of June 30, 2022Current period provisionCharge-offsRecoveriesBalance as of March 31, 2022
Allowance for Credit Losses
Personal Banking:     
Residential mortgage loans$16,158 2,723 (138)267 13,306 
Home equity loans5,232 (583)(255)427 5,643 
Vehicle loans15,738 1,888 (934)603 14,181 
Consumer loans779 (1,685)(978)333 3,109 
Total Personal Banking37,907 2,343 (2,305)1,630 36,239 
Commercial Banking:     
Commercial real estate loans39,641 (1,917)(4,392)1,378 44,572 
Commercial real estate loans - owner occupied4,095 (188)— 4,276 
Commercial loans16,712 2,391 (329)442 14,208 
Total Commercial Banking60,448 286 (4,721)1,827 63,056 
Total$98,355 2,629 (7,026)3,457 99,295 
Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans$— — — 
Home equity loans64 — — 55 
Total Personal Banking70 — — 61 
Commercial Banking:     
Commercial real estate loans3,463 1,671 — — 1,792 
Commercial real estate loans - owner occupied 328 120 — — 208 
Commercial loans3,589 1,596 — — 1,993 
Total Commercial Banking7,380 3,387 — — 3,993 
Total off-balance sheet exposure$7,450 3,396 — — 4,054 
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2021 (in thousands):
Balance as of June 30, 2021Current period provisionCharge-offsRecoveriesBalance as of March 31, 2021
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans$7,247 1,922 (770)234 5,861 
Home equity loans7,239 2,253 (379)124 5,241 
Vehicle loans12,888 (1,196)(1,598)794 14,888 
Consumer loans2,801 691 (803)350 2,563 
Total Personal Banking30,175 3,670 (3,550)1,502 28,553 
Commercial Banking:
Commercial real estate loans64,580 (2,925)(3,074)373 70,206 
Commercial real estate loans - owner occupied4,729 (1,138)(890)6,753 
Commercial loans17,846 393 (1,161)129 18,485 
Total Commercial Banking87,155 (3,670)(5,125)506 95,444 
Total$117,330 — (8,675)2,008 123,997 
Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans$— — — 
Home equity loans42 — — 34 
Total Personal Banking44 — — 36 
Commercial Banking:
Commercial real estate loans1,932 (183)— — 2,115 
Commercial real estate loans - owner occupied181 (207)— — 388 
Commercial loans1,232 (848)— — 2,080 
Total Commercial Banking3,345 (1,238)— — 4,583 
Total off-balance sheet exposure$3,389 (1,230)— — 4,619 
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2022 (in thousands):
Balance as of June 30, 2022Current period provisionCharge-offsRecoveriesBalance as of December 31, 2021
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans$16,158 9,685 (1,321)421 7,373 
Home equity loans5,232 (214)(702)848 5,300 
Vehicle loans15,738 583 (1,581)1,253 15,483 
Consumer loans779 (691)(2,054)640 2,884 
Total Personal Banking37,907 9,363 (5,658)3,162 31,040 
Commercial Banking:
Commercial real estate loans39,641 (11,582)(5,416)2,498 54,141 
Commercial real estate loans - owner occupied4,095 201 — 11 3,883 
Commercial loans16,712 3,166 (1,010)1,379 13,177 
Total Commercial Banking60,448 (8,215)(6,426)3,888 71,201 
Total$98,355 1,148 (12,084)7,050 102,241 
Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans$— — 
Home equity loans64 25 — — 39 
Total Personal Banking7029— — 41
Commercial Banking:
Commercial real estate loans3,463 2,582 — — 881 
Commercial real estate loans - owner occupied328 186 — — 142 
Commercial loans3,589 2,195 — — 1,394 
Total Commercial Banking7,380 4,963 — — 2,417 
Total off-balance sheet exposure$7,450 4,992 — — 2,458 
The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2021 (in thousands):
 Balance as of June 30, 2021Current
period provision
Charge-offsRecoveriesBalance as of December 31, 2020
Allowance for Credit Losses
Personal Banking:     
Residential mortgage loans$7,247 1,330 (1,625)276 7,266 
Home equity loans7,239 1,601 (607)253 5,992 
Vehicle loans12,888 (423)(2,905)1,391 14,825 
Consumer loans2,801 1,342 (2,099)687 2,871 
Total Personal Banking30,175 3,850 (7,236)2,607 30,954 
Commercial Banking:
Commercial real estate loans64,580 (7,756)(7,700)655 79,381 
Commercial real estate loans - owner occupied4,729 (4,904)(890)10,518 
Commercial loans17,846 3,190 (1,215)2,297 13,574 
Total Commercial Banking87,155 (9,470)(9,805)2,957 103,473 
Total$117,330 (5,620)(17,041)5,564 134,427 
Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans$— — — 
Home equity loans42 — — 35 
Total Personal Banking44 — — 37 
Commercial Banking:
Commercial real estate loans1,932 (1,517)— — 3,449 
Commercial real estate loans - owner occupied181 (145)— — 326 
Commercial loans1,232 (1,319)— — 2,551 
Total Commercial Banking3,345 (2,981)— — 6,326 
Total off-balance sheet exposure$3,389 (2,974)— — 6,363 
Schedule of loan portfolio by portfolio segment and by class of financing receivable The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at June 30, 2022 (in thousands):
 Total loans
receivable
Allowance for
credit losses
Nonaccrual
loans (1)
Loans 90 days past due and accruingTDRsAllowance
related to
TDRs
Additional
commitments
to customers
with loans
classified as
TDRs
Personal Banking:       
Residential mortgage loans$3,286,775 16,158 7,616 — 6,157 861 — 
Home equity loans1,280,492 5,232 4,156 — 1,465 472 — 
Vehicle loans1,895,735 15,738 3,166 — — — — 
Consumer loans106,810 779 136 379 — — — 
Total Personal Banking6,569,812 37,907 15,074 379 7,622 1,333 — 
Commercial Banking:       
Commercial real estate loans2,485,974 39,641 76,437 — 42,180 1,558 18 
Commercial real estate loans - owner occupied390,202 4,095 590 — 144 23 — 
Commercial loans986,836 16,712 6,284 — 4,291 549 327 
Total Commercial Banking3,863,012 60,448 83,311 — 46,615 2,130 345 
Total$10,432,824 98,355 98,385 379 54,237 3,463 345 
(1)Includes $37.6 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, 2021 (in thousands): 
 Total loans
receivable
Allowance for
credit losses
Nonaccrual
loans (1)
Loans 90 days past due and accruingTDRsAllowance
related to
TDRs
Additional
commitments
to customers
with loans
classified as
TDRs
Personal Banking:       
Residential mortgage loans$2,994,620 7,373 10,402 — 6,749 1,442 — 
Home equity loans1,319,931 5,300 5,758 — 1,781 718 — 
Vehicle loans1,484,231 15,483 3,263 — — — — 
Consumer loans354,517 2,884 675 331 — — — 
Total Personal Banking6,153,299 31,040 20,098 331 8,530 2,160 — 
Commercial Banking:       
Commercial real estate loans2,625,481 54,141 129,666 — 17,025 2,024 400 
Commercial real estate loans - owner occupied390,003 3,883 1,233 — 159 24 — 
Commercial loans847,609 13,177 7,474 — 4,574 609 60 
Total Commercial Banking3,863,093 71,201 138,373 — 21,758 2,657 460 
Total$10,016,392 102,241 158,471 331 30,288 4,817 460 
(1)Includes $17.2 million of nonaccrual TDRs.
Schedule of the composition of nonaccrual loans by portfolio segment and by class of financing receivable The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the period ended June 30, 2022 (in thousands): 
June 30, 2022
 Nonaccrual loans at January 1, 2022Nonaccrual loans with an allowanceNonaccrual loans with no allowanceTotal nonaccrual loans at the end of the periodLoans 90 days past due and accruing
Personal Banking:    
Residential mortgage loans$10,402 7,616 — 7,616 — 
Home equity loans5,758 3,956 200 4,156 — 
Vehicle loans3,263 1,941 1,225 3,166 — 
Consumer loans675 136 — 136 379 
Total Personal Banking20,098 13,649 1,425 15,074 379 
Commercial Banking:    
Commercial real estate loans129,666 10,534 65,903 76,437 — 
Commercial real estate loans - owner occupied1,233 590 — 590 — 
Commercial loans7,474 3,506 2,778 6,284 — 
Total Commercial Banking138,373 14,630 68,681 83,311 — 
Total$158,471 28,279 70,106 98,385 379 
The following table presents the amortized cost of our loans on nonaccrual status as of the year ended December 31, 2021 (in thousands): 
December 31, 2021
 Nonaccrual loans at January 1, 2021Nonaccrual loans with an allowanceNonaccrual loans with no allowanceTotal nonaccrual loans at the end of the periodLoans 90 days past due and accruing
Personal Banking:
Residential mortgage loans$15,924 10,402 — 10,402 — 
Home equity loans9,123 5,551 207 5,758 — 
Vehicle loans5,533 3,251 12 3,263 — 
Consumer loans1,031 674 675 331 
Total Personal Banking31,611 19,878 220 20,098 331 
Commercial Banking:
Commercial real estate loans44,092 65,529 64,137 129,666 — 
Commercial real estate loans - owner occupied 3,642 1,233 — 1,233 — 
Commercial loans23,487 3,941 3,533 7,474 — 
Total Commercial Banking71,221 70,703 67,670 138,373 — 
Total$102,832 90,581 67,890 158,471 331 
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2022 (in thousands):
 Real estateEquipmentTotal
Personal Banking:   
Residential mortgage loans$575 — 575 
Home equity loans100 — 100 
Total Personal Banking675 — 675 
Commercial Banking:   
Commercial real estate loans74,267 — 74,267 
Commercial loans3,810 1,262 5,072 
Total Commercial Banking78,077 1,262 79,339 
Total$78,752 1,262 80,014 
 
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2021 (in thousands):
 Real estateEquipmentTotal
Personal Banking:
Residential mortgage loans$580 — 580 
Home equity loans99 — 99 
Total Personal Banking679 — 679 
Commercial Banking:
Commercial real estate loans119,825 1,705 121,530 
Commercial loans3,973 1,926 5,899 
Total Commercial Banking123,798 3,631 127,429 
Total$124,477 3,631 128,108 
Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable
The following table provides a roll forward of troubled debt restructurings for the periods indicated (dollars in thousands):
 For the quarter ended June 30,
 20222021
 Number of
contracts
AmountNumber of
contracts
Amount
Beginning TDR balance:130 $28,701 164 $27,510 
New TDRs26,115 2,295 
Re-modified TDRs6,403 344 
Net paydowns— (479)— (1,610)
Paid-off loans:
Residential mortgage loans— — (726)
Home equity loans(13)(11)
Commercial real estate loans(80)(302)
Commercial loans(7)(69)
Ending TDR balance:128 $54,237 158 $27,431 
Accruing TDRs $16,590 $18,480 
Nonaccrual TDRs 37,647 8,951 

For the six months ended June 30,
20222021
Number of
contracts
AmountNumber of
contracts
Amount
Beginning TDR balance:134 $30,288 170 $32,135 
New TDRs26,115 2,295 
Re-modified TDRs6,603 1,241 
Net paydowns— (1,509)— (4,073)
Charge-offs:
Residential mortgage loans(3)— — 
Paid-off loans:
Residential mortgage loans(201)(726)
Home equity loans(77)(11)
Commercial real estate loans(369)(2,686)
Commercial real estate loans - owner occupied— — (47)
Commercial loans(7)(697)
Ending TDR balance:128 $54,237 158 $27,431 
Accruing TDRs$16,590 $18,480 
Nonaccrual TDRs37,647 8,951 
    The following table provides 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 June 30, 2022For the six months ended June 30, 2022
 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
        
Commercial Banking:        
Commercial real estate loans$58,042 29,292 1,122 $58,372 29,492 1,133 
Commercial loans3,524 3,226 410 3,524 3,226 411 
Total Commercial Banking61,566 32,518 1,532 61,896 32,718 1,544 
Total$61,566 32,518 1,532 $61,896 32,718 1,544 
 For the quarter ended June 30, 2021For the six months ended June 30, 2021
 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— $— — — $121 116 10 
Home equity loans— — — — — — 
Total Personal Banking— — — — 124 116 10 
Commercial Banking:
Commercial real estate loans725 343 34 1,537 1,125 148 
Commercial loans2,396 2,295 — 2,396 2,295 — 
Total Commercial Banking3,121 2,638 34 3,933 3,420 148 
Total$3,121 2,638 34 $4,057 3,536 158 
The following table provides information as of June 30, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2022 (in thousands):
Type of modification
Number of contractsRateMaturity dateTotal
Commercial Banking:
Commercial real estate loans$4,179 25,113 29,292 
Commercial loans— 3,226 3,226 
Total Commercial Banking4,179 28,339 32,518 
Total$4,179 28,339 32,518 

The following table provides information as of June 30, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the quarter ended June 30, 2021 (in thousands):
Type of modification
Number of contractsRateMaturity dateTotal
Commercial Banking:
Commercial real estate loans$— 343 343 
Commercial loans— 2,295 2,295 
Total Commercial Banking— 2,638 2,638 
Total$— 2,638 2,638 

The following table provides information as of June 30, 2022 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2022 (in thousands):
Type of modification
Number of contractsRateMaturity dateTotal
Commercial Banking:
Commercial real estate loans$4,179 25,313 29,492 
Commercial loans— 3,226 3,226 
Total Commercial Banking4,179 28,539 32,718 
Total$4,179 28,539 32,718 
The following table provides information as of June 30, 2021 for TDRs (including re-modified TDRs) by type of modification, by portfolio segment and class of financing receivable for modifications during the six months ended June 30, 2021 (in thousands):
Type of modification
Number of contractsRateMaturity dateOtherTotal
Personal Banking:
Residential mortgage loans$116 — — 116 
Home equity loans— — — — 
Total Personal Banking116 — — 116 
Commercial Banking:
Commercial real estate loans— 1,052 73 1,125 
Commercial loans— 2,295 — 2,295 
Total Commercial Banking— 3,347 73 3,420 
Total$116 3,347 73 3,536 
The following table provides information related to troubled debt restructurings modified within the previous twelve months of June 30, 2022 that subsequently defaulted:
Number of
contracts
Recorded
investment
at the time of
modification
Current
recorded
investment
Current
allowance
Commercial Banking:
     Commercial real estate loans$4,167 3,823 — 
Total Commercial Banking4,167 3,823 — 
Total$4,167 3,823 — 
The following table provides information related to troubled debt restructurings modified within the previous twelve months of June 30, 2021 that subsequently defaulted:
Number of
contracts
Recorded
investment
at the time of
modification
Current
recorded
investment
Current
allowance
Commercial Banking:
     Commercial real estate loans$454 454 50 
Total Commercial Banking454 454 50 
Total$454 454 50 
Schedule of loan delinquencies
The following table provides information related to the amortized cost basis of loan payment delinquencies at June 30, 2022 (in thousands):
 30-59 days
delinquent
60-89 days
delinquent
90 days or
greater
delinquent
Total
delinquency
CurrentTotal loans
receivable
90 days or
greater
delinquent
and accruing
Personal Banking:     
Residential mortgage loans$785 5,941 5,445 12,171 3,274,604 3,286,775 — 
Home equity loans3,664 952 2,081 6,697 1,273,795 1,280,492 — 
Vehicle loans6,449 1,170 1,861 9,480 1,886,255 1,895,735 — 
Consumer loans449 290 460 1,199 105,611 106,810 379 
Total Personal Banking11,347 8,353 9,847 29,547 6,540,265 6,569,812 379 
Commercial Banking:     
Commercial real estate loans2,581 1,350 14,823 18,754 2,467,220 2,485,974 — 
Commercial real estate loans - owner occupied120 122 126 368 389,834 390,202 — 
Commercial loans1,486 341 583 2,410 984,426 986,836 — 
Total Commercial Banking4,187 1,813 15,532 21,532 3,841,480 3,863,012 — 
Total loans$15,534 10,166 25,379 51,079 10,381,745 10,432,824 379 

The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2021 (in thousands):
 30-59 days
delinquent
60-89 days
delinquent
90 days or
greater
delinquent
Total
delinquency
CurrentTotal loans
receivable
90 days or
greater
delinquent
and accruing
Personal Banking:      
Residential mortgage loans
$20,567 5,433 7,641 33,641 2,960,979 2,994,620 — 
Home equity loans
3,153 949 4,262 8,364 1,311,567 1,319,931 — 
Vehicle loans5,331 1,487 1,635 8,453 1,475,778 1,484,231 — 
Consumer loans
1,205 519 765 2,489 352,028 354,517 331 
Total Personal Banking30,256 8,388 14,303 52,947 6,100,352 6,153,299 331 
Commercial Banking:
Commercial real estate loans
16,938 699 23,489 41,126 2,584,355 2,625,481 — 
Commercial real estate loans - owner occupied127 70 574 771 389,232 390,003 — 
Commercial loans
193 727 1,105 2,025 845,584 847,609 — 
Total Commercial Banking17,258 1,496 25,168 43,922 3,819,171 3,863,093 — 
Total originated loans$47,514 9,884 39,471 96,869 9,919,523 10,016,392 331 
Schedule of credit quality indicators The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of June 30, 2022 (in thousands):
YTD June 30, 20222021202020192018PriorRevolving loansRevolving loans converted to term loansTotal loans
receivable
Personal Banking:    
Residential mortgage loans
Pass$290,471 843,802 572,648 278,086 141,007 1,147,103 — — 3,273,117 
Substandard— 106 710 258 417 12,167 — — 13,658 
Total residential mortgage loans290,471 843,908 573,358 278,344 141,424 1,159,270 — — 3,286,775 
Home equity loans
Pass62,500 138,755 187,786 121,932 56,161 231,691 435,304 40,995 1,275,124 
Substandard— 48 — 378 345 2,889 845 863 5,368 
Total home equity loans62,500 138,803 187,786 122,310 56,506 234,580 436,149 41,858 1,280,492 
Vehicle loans
Pass527,150 742,059 288,651 181,929 97,160 55,620 — — 1,892,569 
Substandard83 964 402 764 578 375 — — 3,166 
Total vehicle loans527,233 743,023 289,053 182,693 97,738 55,995 — — 1,895,735 
Consumer loans
Pass9,391 12,822 5,966 5,235 3,613 6,244 61,662 1,361 106,294 
Substandard— 27 — 10 61 412 516 
Total consumer loans9,391 12,849 5,966 5,245 3,618 6,305 62,074 1,362 106,810 
Total Personal Banking889,595 1,738,583 1,056,163 588,592 299,286 1,456,150 498,223 43,220 6,569,812 
Business Banking:     
Commercial real estate loans
Pass124,555 344,825 415,474 297,289 235,348 798,170 28,902 9,104 2,253,667 
Special mention— 798 1,466 20,818 1,077 6,863 988 15 32,025 
Substandard— 96 7,117 28,401 43,407 116,480 564 4,217 200,282 
Total commercial real estate loans124,555 345,719 424,057 346,508 279,832 921,513 30,454 13,336 2,485,974 
Commercial real estate loans - owner occupied
Pass41,726 63,126 18,245 39,001 47,377 132,060 3,233 1,772 346,540 
Special mention— — — 15,067 3,698 689 61 — 19,515 
Substandard— — — 5,360 1,934 14,747 — 2,106 24,147 
Total commercial real estate loans - owner occupied41,726 63,126 18,245 59,428 53,009 147,496 3,294 3,878 390,202 
Commercial loans
Pass335,778 127,282 63,945 54,761 21,293 57,692 288,640 4,738 954,129 
Special mention153 155 283 486 47 — 1,344 — 2,468 
Substandard569 306 896 3,309 2,596 1,881 11,060 9,622 30,239 
Total commercial loans336,500 127,743 65,124 58,556 23,936 59,573 301,044 14,360 986,836 
Total Business Banking502,781 536,588 507,426 464,492 356,777 1,128,582 334,792 31,574 3,863,012 
Total loans$1,392,376 2,275,171 1,563,589 1,053,084 656,063 2,584,732 833,015 74,794 10,432,824 
The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of December 31, 2021 (in thousands): 
20212020201920182017PriorRevolving loansRevolving loans converted to term loansTotal loans
receivable
Personal Banking:     
Residential mortgage loans
Pass$644,862 602,429 304,275 156,639 171,240 1,098,635 — — 2,978,080 
Substandard138 489 377 538 882 14,116 — — 16,540 
Total residential mortgage loans645,000 602,918 304,652 157,177 172,122 1,112,751 — — 2,994,620 
Home equity loans
Pass150,847 210,224 138,661 65,011 61,692 209,959 435,660 40,766 1,312,820 
Substandard— — 441 60 455 3,820 1,275 1,060 7,111 
Total home equity loans150,847 210,224 139,102 65,071 62,147 213,779 436,935 41,826 1,319,931 
Vehicle loans
Pass801,084 292,804 205,653 119,304 34,546 27,576 — — 1,480,967 
Substandard387 365 1,141 745 379 247 — — 3,264 
Total vehicle loans801,471 293,169 206,794 120,049 34,925 27,823 — — 1,484,231 
Consumer loans
Pass117,856 81,266 47,195 20,595 9,794 12,202 63,025 1,578 353,511 
Substandard213 161 105 64 26 50 357 30 1,006 
Total consumer loans118,069 81,427 47,300 20,659 9,820 12,252 63,382 1,608 354,517 
Total Personal Banking1,715,387 1,187,738 697,848 362,956 279,014 1,366,605 500,317 43,434 6,153,299 
Business Banking:
Commercial real estate loans
Pass306,689 433,219 335,541 263,524 221,450 683,537 26,288 10,179 2,280,427 
Special mention803 1,808 52,513 3,296 1,394 8,529 729 23 69,095 
Substandard— 34,153 44,712 46,045 56,077 89,311 492 5,169 275,959 
Total commercial real estate loans307,492 469,180 432,766 312,865 278,921 781,377 27,509 15,371 2,625,481 
Commercial real estate - owner occupied
Pass69,084 19,452 51,997 60,824 57,676 94,687 2,822 2,707 359,249 
Special mention— — — 769 1,959 1,444 856 — 5,028 
Substandard— — 3,575 2,887 7,840 10,602 — 822 25,726 
Total commercial real estate - owner occupied loans69,084 19,452 55,572 64,480 67,475 106,733 3,678 3,529 390,003 
Commercial loans
Pass224,367 110,171 73,276 27,668 20,748 76,987 262,805 12,301 808,323 
Special mention197 661 812 1,195 50 581 2,234 — 5,730 
Substandard329 4,767 5,102 4,437 1,529 2,116 6,667 8,609 33,556 
Total commercial loans224,893 115,599 79,190 33,300 22,327 79,684 271,706 20,910 847,609 
Total Business Banking601,469 604,231 567,528 410,645 368,723 967,794 302,893 39,810 3,863,093 
Total loans$2,316,856 1,791,969 1,265,376 773,601 647,737 2,334,399 803,210 83,244 10,016,392