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Allowance for Credit Losses on Loans (Tables)
 9 Months Ended
Sep. 30, 2020
Receivables [Abstract]  
Allowance for Credit Losses on Loans Rollforward
The following table presents the activity in the ACL on loans for the three months ended September 30, 2020:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance$20,283 $11,278 $31,561 $8,053 $1,394 $433 $1,827 $41,441 
Charge-offs— (2)(2)(99)— (10)(10)(111)
Recoveries— 2 2 — 4 9 13 15 
Provision1,474 (93)1,381 (35)(51)5 (46)1,300 
Ending Balance$21,757 $11,185 $32,942 $7,919 $1,347 $437 $1,784 $42,645 

The following table presents the activity in the ACL on loans for the nine months ended September 30, 2020:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance$14,741 $3,921 $18,662 $6,615 $1,390 $347 $1,737 $27,014 
Adoption of Topic 326 (1)
3,405 3,029 6,434 221 (106)(48)(154)6,501 
Charge-offs(172)(585)(757)(99)(174)(42)(216)(1,072)
Recoveries— 11 11 — 11 23 34 45 
Provision3,783 4,809 8,592 1,182 226 157 383 10,157 
Ending Balance$21,757 $11,185 $32,942 $7,919 $1,347 $437 $1,784 $42,645 
(1)    Adoption of the CECL accounting standard effective January 1, 2020.

For the accounting policy on the allowance for loan losses that was in effect prior to the adoption of Topic 326, see Note 1 to our Annual Report on Form 10-K for the fiscal year ended December 31, 2019.

The following table presents the activity in the allowance for loan losses for the three months ended September 30, 2019:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance$16,882 $4,453 $21,335 $4,857 $913 $293 $1,206 $27,398 
Charge-offs(947)(1)(948)— — (18)(18)(966)
Recoveries— 123 123 — 36 6 42 165 
Provision866 (1,128)(262)554 64 44 108 400 
Ending Balance$16,801 $3,447 $20,248 $5,411 $1,013 $325 $1,338 $26,997 

The following table presents the activity in the allowance for loan losses for the nine months ended September 30, 2019:
(Dollars in thousands)CommercialConsumer
CREC&ITotal CommercialResidential Real EstateHome EquityOtherTotal ConsumerTotal
Beginning Balance$15,381 $5,847 $21,228 $3,987 $1,603 $254 $1,857 $27,072 
Charge-offs(947)(19)(966)(486)(372)(64)(436)(1,888)
Recoveries— 151 151 — 71 16 87 238 
Provision2,367 (2,532)(165)1,910 (289)119 (170)1,575 
Ending Balance$16,801 $3,447 $20,248 $5,411 $1,013 $325 $1,338 $26,997 
Schedule of Allowance for Loan Loss by Segment & Impairment Methodology
The following table presents the Corporation’s loan portfolio and associated allowance for loan losses by portfolio segment and by impairment methodology as of December 31, 2019:
(Dollars in thousands)LoansRelated Allowance
Loans Individually Analyzed for Credit Losses
Commercial:
Commercial real estate$603 $— 
Commercial & industrial657 580 
Total commercial1,260 580 
Residential Real Estate:
Residential real estate14,654 95 
Consumer:
Home equity1,763 291 
Other106 2 
Total consumer1,869 293 
Subtotal17,783 968 
Loans Collectively Evaluated for Credit Losses
Commercial:
Commercial real estate1,546,969 14,741 
Commercial & industrial584,632 3,341 
Total commercial2,131,601 18,082 
Residential Real Estate:
Residential real estate1,434,436 6,520 
Consumer:
Home equity289,111 1,099 
Other20,068 345 
Total consumer309,179 1,444 
Subtotal3,875,216 26,046 
Total$3,892,999 $27,014