CREDIT QUALITY ASSESSMENT (Tables)
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9 Months Ended |
Sep. 30, 2018 |
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| Accounts, Notes, Loans and Financing Receivable [Line Items] |
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| Summary Information on Allowance for Loan and Lease Loss Activity |
Summary information on the allowance for loan loss activity for the period indicated is provided in the following table: | | | | Nine Months Ended September 30, | | (In thousands) | | 2018 | | 2017 | | Balance at beginning of year | | $ | 45,257 | | $ | 44,067 | | Provision for loan losses | | | 5,620 | | | 2,450 | | Loan charge-offs | | | (1,003) | | | (2,044) | | Loan recoveries | | | 535 | | | 451 | | | Net charge-offs | | | (468) | | | (1,593) | | Balance at period end | | $ | 50,409 | | $ | 44,924 |
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| Activity in Allowance for Loan and Lease Losses by Respective Loan Portfolio Segment |
The following tables provide information on the activity in the allowance for loan losses by the respective loan portfolio segment for the period indicated: | | | For the Nine Months Ended September 30, 2018 | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | Commercial | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (Dollars in thousands) | | Business | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Balance at beginning of year | | $ | 8,711 | | $ | 3,501 | | $ | 14,970 | | $ | 7,178 | | $ | 2,383 | | $ | 7,268 | | $ | 1,246 | | $ | 45,257 | | Provision (credit) | | | 1,472 | | | 1,357 | | | 2,145 | | | (577) | | | 144 | | | 892 | | | 187 | | | 5,620 | | Charge-offs | | | (437) | | | - | | | - | | | - | | | (541) | | | (25) | | | - | | | (1,003) | | Recoveries | | | 237 | | | 62 | | | 65 | | | - | | | 113 | | | 45 | | | 13 | | | 535 | | Net recoveries (charge-offs) | | | (200) | | | 62 | | | 65 | | | - | | | (428) | | | 20 | | | 13 | | | (468) | | Balance at end of period | | $ | 9,983 | | $ | 4,920 | | $ | 17,180 | | $ | 6,601 | | $ | 2,099 | | $ | 8,180 | | $ | 1,446 | | $ | 50,409 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans | | $ | 738,083 | | $ | 631,589 | | $ | 1,924,397 | | $ | 1,201,673 | | $ | 523,011 | | $ | 1,181,427 | | $ | 188,779 | | $ | 6,388,959 | | Allowance for loans losses to total loans ratio | | | 1.35% | | | 0.78% | | | 0.89% | | | 0.55% | | | 0.40% | | | 0.69% | | | 0.77% | | | 0.79% | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance of loans specifically evaluated for impairment | | $ | 7,123 | | $ | 136 | | $ | 5,861 | | $ | 3,352 | | $ | N/A | | $ | 1,876 | | $ | - | | $ | 18,348 | | Allowance for loans specifically evaluated for impairment | | $ | 2,827 | | $ | - | | $ | 1,255 | | $ | 122 | | $ | N/A | | $ | - | | $ | - | | $ | 4,204 | | Specific allowance to specific loans ratio | | | 39.69% | | | - | | | 21.41% | | | 3.64% | | | N/A | | | - | | | - | | | 22.91% | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance of loans collectively evaluated | | $ | 724,333 | | $ | 631,453 | | $ | 1,912,697 | | $ | 1,196,079 | | $ | 521,705 | | $ | 1,179,540 | | $ | 188,779 | | $ | 6,354,586 | | Allowance for loans collectively evaluated | | $ | 7,156 | | $ | 4,920 | | $ | 15,925 | | $ | 6,479 | | $ | 2,099 | | $ | 8,180 | | $ | 1,446 | | $ | 46,205 | | Collective allowance to collective loans ratio | | | 0.99% | | | 0.78% | | | 0.83% | | | 0.54% | | | 0.40% | | | 0.69% | | | 0.77% | | | 0.73% | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance of loans acquired with deteriorated credit quality | | $ | 6,627 | | $ | - | | $ | 5,839 | | $ | 2,242 | | $ | 1,306 | | $ | 11 | | $ | - | | $ | 16,025 | | Allowance for loans acquired with deteriorated credit quality | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | Allowance to loans acquired with deteriorated credit quality ratio | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - |
| | | For the Year Ended December 31,2017 | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | Commercial | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (Dollars in thousands) | | Business | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Balance at beginning of year | | $ | 7,539 | | $ | 4,652 | | $ | 12,939 | | $ | 7,885 | | $ | 2,828 | | $ | 7,261 | | $ | 963 | | $ | 44,067 | | Provision (credit) | | | 2,616 | | | (1,254) | | | 1,930 | | | (459) | | | (57) | | | (56) | | | 257 | | | 2,977 | | Charge-offs | | | (1,538) | | | - | | | - | | | (248) | | | (693) | | | (87) | | | - | | | (2,566) | | Recoveries | | | 94 | | | 103 | | | 101 | | | - | | | 305 | | | 150 | | | 26 | | | 779 | | Net recoveries (charge-offs) | | | (1,444) | | | 103 | | | 101 | | | (248) | | | (388) | | | 63 | | | 26 | | | (1,787) | | Balance at end of period | | $ | 8,711 | | $ | 3,501 | | $ | 14,970 | | $ | 7,178 | | $ | 2,383 | | $ | 7,268 | | $ | 1,246 | | $ | 45,257 | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total loans | | $ | 497,948 | | $ | 292,443 | | $ | 1,112,710 | | $ | 857,196 | | $ | 455,829 | | $ | 921,435 | | $ | 176,687 | | $ | 4,314,248 | | Allowance for loan losses to total loans ratio | | | 1.75% | | | 1.20% | | | 1.35% | | | 0.84% | | | 0.52% | | | 0.79% | | | 0.71% | | | 1.05% | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance of loans specifically evaluated for impairment | | $ | 8,105 | | $ | 136 | | $ | 5,575 | | $ | 4,078 | | $ | N/A | | $ | 2,915 | | $ | - | | $ | 20,809 | | Allowance for loans specifically evaluated for impairment | | $ | 3,220 | | $ | - | | $ | 663 | | $ | 131 | | $ | N/A | | $ | - | | $ | - | | $ | 4,014 | | Specific allowance to specific loans ratio | | | 39.73% | | | - | | | 11.89% | | | 3.21% | | | N/A | | | - | | | - | | | 19.29% | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance of loans collectively evaluated | | $ | 489,843 | | $ | 292,307 | | $ | 1,107,135 | | $ | 853,118 | | $ | 455,829 | | $ | 918,520 | | $ | 176,687 | | $ | 4,293,439 | | Allowance for loans collectively evaluated | | $ | 5,491 | | $ | 3,501 | | $ | 14,307 | | $ | 7,047 | | $ | 2,383 | | $ | 7,268 | | $ | 1,246 | | $ | 41,243 | | Collective allowance to collective loans ratio | | | 1.12% | | | 1.20% | | | 1.29% | | | 0.83% | | | 0.52% | | | 0.79% | | | 0.71% | | | 0.96% |
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| Summary of Impaired Loans |
The following table provides summary information regarding impaired loans at the dates indicated and for the periods then ended: | (In thousands) | | September 30, 2018 | | December 31, 2017 | | Impaired loans with a specific allowance | | $ | 11,450 | | $ | 11,693 | | Impaired loans without a specific allowance | | | 6,898 | | | 9,116 | | Total impaired loans | | $ | 18,348 | | $ | 20,809 | | | | | | | | | | Allowance for loan losses related to impaired loans | | $ | 4,204 | | $ | 4,014 | | Allowance for loan losses related to loans collectively evaluated | | | 46,205 | | | 41,243 | | Total allowance for loan losses | | $ | 50,409 | | $ | 45,257 | | | | | | | | | | Average impaired loans for the period | | $ | 19,712 | | $ | 23,179 | | Contractual interest income due on impaired loans during the period | | $ | 1,888 | | $ | 2,314 | | Interest income on impaired loans recognized on a cash basis | | $ | 473 | | $ | 754 | | Interest income on impaired loans recognized on an accrual basis | | $ | 109 | | $ | 169 |
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| Recorded Investment with Respect to Impaired loans, Associated Allowance by Applicable Portfolio Segment and Principal Balance of Impaired Loans Prior to Amounts Charged-Off |
The following tables present the recorded investment with respect to impaired loans, the associated allowance by the applicable portfolio segment and the principal balance of the impaired loans prior to amounts charged-off at the dates indicated: | | | | September 30, 2018 | | | | | | | | Commercial Real Estate | | | | | Total Recorded | | | | | | | | | | | | | | Commercial | | All | | Investment in | | | | | | | | Commercial | | Commercial | | Owner | | Other | | Impaired | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Loans | | Impaired loans with a specific allowance | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 3,261 | | $ | - | | $ | 5,157 | | $ | - | | $ | - | | $ | 8,418 | | | Restructured accruing | | | 335 | | | - | | | - | | | - | | | - | | | 335 | | | Restructured non-accruing | | | 1,922 | | | - | | | - | | | 775 | | | - | | | 2,697 | | Balance | | $ | 5,518 | | $ | - | | $ | 5,157 | | $ | 775 | | $ | - | | $ | 11,450 | | | | | | | | | | | | | | | | | | | | | | | Allowance | | $ | 2,827 | | $ | - | | $ | 1,255 | | $ | 122 | | $ | - | | $ | 4,204 | | | | | | | | | | | | | | | | | | | | | | | Impaired loans without a specific allowance | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 175 | | $ | - | | $ | 704 | | $ | 1,054 | | $ | - | | $ | 1,933 | | | Restructured accruing | | | 436 | | | - | | | - | | | - | | | 1,453 | | | 1,889 | | | Restructured non-accruing | | | 994 | | | 136 | | | - | | | 1,523 | | | 423 | | | 3,076 | | Balance | | $ | 1,605 | | $ | 136 | | $ | 704 | | $ | 2,577 | | $ | 1,876 | | $ | 6,898 | | | | | | | | | | | | | | | | | | | | | | | Total impaired loans | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 3,436 | | $ | - | | $ | 5,861 | | $ | 1,054 | | $ | - | | $ | 10,351 | | | Restructured accruing | | | 771 | | | - | | | - | | | - | | | 1,453 | | | 2,224 | | | Restructured non-accruing | | | 2,916 | | | 136 | | | - | | | 2,298 | | | 423 | | | 5,773 | | Balance | | $ | 7,123 | | $ | 136 | | $ | 5,861 | | $ | 3,352 | | $ | 1,876 | | $ | 18,348 | | | | | | | | | | | | | | | | | | | | | | | Unpaid principal balance in total impaired loans | | $ | 10,255 | | $ | 1,248 | | $ | 10,467 | | $ | 5,723 | | $ | 2,633 | | $ | 30,326 |
| | September 30, 2018 | | | | | | Commercial Real Estate | | | | | Total Recorded | | | | | | | | | | Commercial | | All | | Investment in | | | | | | Commercial | | Commercial | | Owner | | Other | | Impaired | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Loans | | Average impaired loans for the period | | $ | 7,710 | | $ | 136 | | $ | 5,782 | | $ | 3,720 | | $ | 2,364 | | $ | 19,712 | | Contractual interest income due on impaired loans during the period | | $ | 736 | | $ | 283 | | $ | 478 | | $ | 283 | | $ | 108 | | | | | Interest income on impaired loans recognized on a cash basis | | $ | 227 | | $ | - | | $ | 21 | | $ | 129 | | $ | 96 | | | | | Interest income on impaired loans recognized on an accrual basis | | $ | 53 | | $ | - | | $ | - | | $ | - | | $ | 56 | | | |
| | | | December 31, 2017 | | | | | | | | Commercial Real Estate | | | | | Total Recorded | | | | | | | | | | | | | | Commercial | | All | | Investment in | | | | | | | | Commercial | | Commercial | | Owner | | Other | | Impaired | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Loans | | Impaired loans with a specific allowance | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 4,516 | | $ | - | | $ | 5,157 | | $ | - | | $ | - | | $ | 9,673 | | | Restructured accruing | | | 1,129 | | | - | | | - | | | - | | | - | | | 1,129 | | | Restructured non-accruing | | | 108 | | | - | | | - | | | 783 | | | - | | | 891 | | Balance | | $ | 5,753 | | $ | - | | $ | 5,157 | | $ | 783 | | $ | - | | $ | 11,693 | | | | | | | | | | | | | | | | | | | | | | | Allowance | | $ | 3,220 | | $ | - | | $ | 663 | | $ | 131 | | $ | - | | $ | 4,014 | | | | | | | | | | | | | | | | | | | | | | | Impaired loans without a specific allowance | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 391 | | $ | - | | $ | 418 | | $ | 1,318 | | $ | - | | $ | 2,127 | | | Restructured accruing | | | 273 | | | - | | | - | | | 496 | | | 890 | | | 1,659 | | | Restructured non-accruing | | | 1,688 | | | 136 | | | - | | | 1,481 | | | 2,025 | | | 5,330 | | Balance | | $ | 2,352 | | $ | 136 | | $ | 418 | | $ | 3,295 | | $ | 2,915 | | $ | 9,116 | | | | | | | | | | | | | | | | | | | | | | | Total impaired loans | | | | | | | | | | | | | | | | | | | | | Non-accruing | | $ | 4,907 | | $ | - | | $ | 5,575 | | $ | 1,318 | | $ | - | | $ | 11,800 | | | Restructured accruing | | | 1,402 | | | - | | | - | | | 496 | | | 890 | | | 2,788 | | | Restructured non-accruing | | | 1,796 | | | 136 | | | - | | | 2,264 | | | 2,025 | | | 6,221 | | Balance | | $ | 8,105 | | $ | 136 | | $ | 5,575 | | $ | 4,078 | | $ | 2,915 | | $ | 20,809 | | | | | | | | | | | | | | | | | | | | | | | Unpaid principal balance in total impaired loans | | $ | 11,263 | | $ | 1,248 | | $ | 10,166 | | $ | 6,331 | | $ | 3,681 | | $ | 32,689 |
| | | | | December 31, 2017 | | | | | | Commercial Real Estate | | | | | Total Recorded | | | | | | | | | | Commercial | | All | | Investment in | | | | | | Commercial | | Commercial | | Owner | | Other | | Impaired | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Loans | | Average impaired loans for the period | | $ | 7,903 | | $ | 137 | | $ | 6,835 | | $ | 5,336 | | $ | 2,968 | | $ | 23,179 | | Contractual interest income due on impaired loans during the period | | $ | 828 | | $ | 333 | | $ | 669 | | $ | 400 | | $ | 84 | | | | | Interest income on impaired loans recognized on a cash basis | | $ | 204 | | $ | - | | $ | 24 | | $ | 394 | | $ | 132 | | | | | Interest income on impaired loans recognized on an accrual basis | | $ | 111 | | $ | - | | $ | - | | $ | 26 | | $ | 32 | | | |
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| Credit Quality of Loan Portfolio by Segment |
The following tables provide information on the credit quality of the loan portfolio by segment at the dates indicated: | | | September 30, 2018 | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Non-performing loans and assets: | | | | | | | | | | | | | | | | | | | | | | | | | | Non-accrual loans (1) | | $ | 6,352 | | $ | 136 | | $ | 5,861 | | $ | 3,352 | | $ | 4,098 | | $ | 9,134 | | $ | 163 | | $ | 29,096 | | Loans 90 days past due | | | 150 | | | 1,261 | | | - | | | 13 | | | 563 | | | - | | | - | | | 1,987 | | Restructured loans | | | 771 | | | - | | | - | | | - | | | - | | | 1,453 | | | - | | | 2,224 | | Total non-performing loans | | | 7,273 | | | 1,397 | | | 5,861 | | | 3,365 | | | 4,661 | | | 10,587 | | | 163 | | | 33,307 | | Other real estate owned | | | 39 | | | 365 | | | 497 | | | - | | | - | | | 1,217 | | | - | | | 2,118 | | Total non-performing assets | | $ | 7,312 | | $ | 1,762 | | $ | 6,358 | | $ | 3,365 | | $ | 4,661 | | $ | 11,804 | | $ | 163 | | $ | 35,425 | | | | | | | | | | | | | | | | | | | | | | | | | | | | (1) Includes $1.3 million of consumer loans acquired from WashingtonFirst considered performing at the Acquisition Date. |
| | | December 31, 2017 | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Non-performing loans and assets: | | | | | | | | | | | | | | | | | | | | | | | | | | Non-accrual loans | | $ | 6,703 | | $ | 136 | | $ | 5,575 | | $ | 3,582 | | $ | 2,967 | | $ | 7,196 | | $ | 177 | | $ | 26,336 | | Loans 90 days past due | | | - | | | - | | | - | | | - | | | - | | | 225 | | | - | | | 225 | | Restructured loans | | | 1,402 | | | - | | | - | | | 496 | | | - | | | 890 | | | - | | | 2,788 | | Total non-performing loans | | | 8,105 | | | 136 | | | 5,575 | | | 4,078 | | | 2,967 | | | 8,311 | | | 177 | | | 29,349 | | Other real estate owned | | | 39 | | | 365 | | | - | | | 400 | | | - | | | 1,449 | | | - | | | 2,253 | | Total non-performing assets | | $ | 8,144 | | $ | 501 | | $ | 5,575 | | $ | 4,478 | | $ | 2,967 | | $ | 9,760 | | $ | 177 | | $ | 31,602 |
| | | | September 30, 2018 | | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Past due loans | | | | | | | | | | | | | | | | | | | | | | | | | | 31-60 days | | $ | 473 | | $ | 2,749 | | $ | 3,295 | | $ | 1,700 | | $ | 1,885 | | $ | 9,023 | | $ | 3,802 | | $ | 22,927 | | 61-90 days | | | 1,431 | | | 1,910 | | | 428 | | | 1,933 | | | 1,382 | | | 2,222 | | | 391 | | | 9,697 | | > 90 days | | | 150 | | | 1,261 | | | - | | | 13 | | | 563 | | | - | | | - | | | 1,987 | | Total past due | | | 2,054 | | | 5,920 | | | 3,723 | | | 3,646 | | | 3,830 | | | 11,245 | | | 4,193 | | | 34,611 | | Non-accrual loans (1) | | | 6,352 | | | 136 | | | 5,861 | | | 3,352 | | | 4,098 | | | 9,134 | | | 163 | | | 29,096 | | Loans acquired with deteriorated credit quality | | 6,627 | | | - | | | 5,839 | | | 2,242 | | | 1,306 | | | 11 | | | - | | | 16,025 | | Current loans | | | 723,050 | | | 625,533 | | | 1,908,974 | | | 1,192,433 | | | 513,777 | | | 1,161,037 | | | 184,423 | | | 6,309,227 | | | Total loans | | $ | 738,083 | | $ | 631,589 | | $ | 1,924,397 | | $ | 1,201,673 | | $ | 523,011 | | $ | 1,181,427 | | $ | 188,779 | | $ | 6,388,959 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (1) Includes $1.3 million of consumer loans acquired from WashingtonFirst considered performing at the Acquisition Date. |
| | | | December 31, 2017 | | | | | | | | Commercial Real Estate | | | | | Residential Real Estate | | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | | | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | Residential | | Residential | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Consumer | | Mortgage | | Construction | | Total | | Past due loans | | | | | | | | | | | | | | | | | | | | | | | | | | 31-60 days | | $ | 587 | | $ | - | | $ | 775 | | $ | 414 | | $ | 2,107 | | $ | 6,100 | | $ | - | | $ | 9,983 | | 61-90 days | | | - | | | - | | | - | | | - | | | 106 | | | 3,103 | | | - | | | 3,209 | | > 90 days | | | - | | | - | | | - | | | - | | | - | | | 225 | | | - | | | 225 | | Total past due | | | 587 | | | - | | | 775 | | | 414 | | | 2,213 | | | 9,428 | | | - | | | 13,417 | | Non-accrual loans | | | 6,703 | | | 136 | | | 5,575 | | | 3,582 | | | 2,967 | | | 7,196 | | | 177 | | | 26,336 | | Current loans | | | 490,658 | | | 292,307 | | | 1,106,360 | | | 853,200 | | | 450,649 | | | 904,811 | | | 176,510 | | | 4,274,495 | | | Total loans | | $ | 497,948 | | $ | 292,443 | | $ | 1,112,710 | | $ | 857,196 | | $ | 455,829 | | $ | 921,435 | | $ | 176,687 | | $ | 4,314,248 |
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| Restructured Loans for Specific Segments of Loan Portfolio |
The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated: | | | For the Nine Months Ended September 30, 2018 | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | Commercial | | All | | | | | | | | | | Commercial | | Commercial | | Owner | | Other | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Total | | Troubled debt restructurings | | | | | | | | | | | | | | | | | | | | Restructured accruing | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | Restructured non-accruing | | | 1,464 | | | - | | | - | | | 158 | | | - | | | 1,622 | | Balance | | $ | 1,464 | | $ | - | | $ | - | | $ | 158 | | $ | - | | $ | 1,622 | | | | | | | | | | | | | | | | | | | | | | Specific allowance | | $ | 563 | | $ | - | | $ | - | | $ | - | | $ | - | | $ | 563 | | | | | | | | | | | | | | | | | | | | | | Restructured and subsequently defaulted | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - |
| | | For the Year Ended December 31, 2017 | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | | Commercial | | All | | | | | | | | | | Commercial | | Commercial | | Owner | | Other | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Loans | | Total | | Troubled debt restructurings | | | | | | | | | | | | | | | | | | | | Restructured accruing | | $ | 492 | | $ | - | | $ | - | | $ | - | | $ | - | | $ | 492 | | Restructured non-accruing | | | 1,019 | | | - | | | - | | | 540 | | | - | | | 1,559 | | Balance | | $ | 1,511 | | $ | - | | $ | - | | $ | 540 | | $ | - | | $ | 2,051 | | | | | | | | | | | | | | | | | | | | | | Specific allowance | | $ | 247 | | $ | - | | $ | - | | $ | - | | $ | - | | $ | 247 | | | | | | | | | | | | | | | | | | | | | | Restructured and subsequently defaulted | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - | | $ | - |
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| Commercial |
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| Accounts, Notes, Loans and Financing Receivable [Line Items] |
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| Credit Risk Rating Indicators |
The following tables provide information by credit risk rating indicators for each segment of the commercial loan portfolio at the dates indicated: | | | September 30, 2018 | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Total | | Pass | | $ | 714,372 | | $ | 631,132 | | $ | 1,898,911 | | $ | 1,186,129 | | $ | 4,430,544 | | Special Mention | | | 4,333 | | | 321 | | | 13,786 | | | 5,114 | | | 23,554 | | Substandard | | | 19,378 | | | 136 | | | 11,700 | | | 10,430 | | | 41,644 | | Doubtful | | | - | | | - | | | - | | | - | | | - | | Total | | $ | 738,083 | | $ | 631,589 | | $ | 1,924,397 | | $ | 1,201,673 | | $ | 4,495,742 |
| | | December 31, 2017 | | | | | | | Commercial Real Estate | | | | | | | | | | | | | | | | Commercial | | | | | | | | | | Commercial | | Commercial | | Owner | | | | | (In thousands) | | Commercial | | AD&C | | Investor R/E | | Occupied R/E | | Total | | Pass | | $ | 482,924 | | $ | 292,307 | | $ | 1,103,480 | | $ | 845,102 | | $ | 2,723,813 | | Special Mention | | | 2,443 | | | - | | | 3,517 | | | 5,505 | | | 11,465 | | Substandard | | | 12,581 | | | 136 | | | 5,713 | | | 6,589 | | | 25,019 | | Doubtful | | | - | | | - | | | - | | | - | | | - | | Total | | $ | 497,948 | | $ | 292,443 | | $ | 1,112,710 | | $ | 857,196 | | $ | 2,760,297 |
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| Non Commercial Loan |
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| Accounts, Notes, Loans and Financing Receivable [Line Items] |
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| Credit Risk Rating Indicators |
Homogeneous loan pools do not have individual loans subjected to internal risk ratings therefore, the credit indicator applied to these pools is based on their delinquency status. The following tables provide information by credit risk rating indicators for those remaining segments of the loan portfolio at the dates indicated: | | | | September 30, 2018 | | | | | | | | Residential Real Estate | | | | | | | | | | | Residential | | Residential | | | | | (In thousands) | | Consumer | | Mortgage | | Construction | | Total | | Performing | | $ | 518,350 | | $ | 1,170,840 | | $ | 188,616 | | $ | 1,877,806 | | Non-performing: | | | | | | | | | | | | | | | 90 days past due | | | 563 | | | - | | | - | | | 563 | | | Non-accruing (1) | | | 4,098 | | | 9,134 | | | 163 | | | 13,395 | | | Restructured loans | | | - | | | 1,453 | | | - | | | 1,453 | | Total | | $ | 523,011 | | $ | 1,181,427 | | $ | 188,779 | | $ | 1,893,217 | | | | | | | | | | | | | | | | | (1) Includes $1.3 million of consumer loans acquired from WashingtonFirst considered performing at the Acquisition Date. |
| | | | December 31, 2017 | | | | | | | | Residential Real Estate | | | | | | | | | | | Residential | | Residential | | | | | (In thousands) | | Consumer | | Mortgage | | Construction | | Total | | Performing | | $ | 452,862 | | $ | 913,124 | | $ | 176,510 | | $ | 1,542,496 | | Non-performing: | | | | | | | | | | | | | | | 90 days past due | | | - | | | 225 | | | - | | | 225 | | | Non-accruing | | | 2,967 | | | 7,196 | | | 177 | | | 10,340 | | | Restructured loans | | | - | | | 890 | | | - | | | 890 | | Total | | $ | 455,829 | | $ | 921,435 | | $ | 176,687 | | $ | 1,553,951 |
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