

	Year Ended December 31, 2019
	Commercial Real Estate		Commercial			Consumer			Total
	(In Thousands)
Balance at December 31, 2018	$	28,187	$	25,283		$	5,222		$	58,692
Charge-offs	—		(8,911		)	(127		)	(9,038		)
Recoveries	—		1,688			179			1,867
Provision for loan and lease losses	2,098		6,766			697			9,561
Balance at December 31, 2019	$	30,285	$	24,826		$	5,971		$	61,082



	Year Ended December 31, 2018
	Commercial Real Estate			Commercial			Consumer			Total
	(In Thousands)
Balance at December 31, 2017	$	27,112		$	26,333		$	5,147		$	58,592
Charge-offs	(103		)	(6,585		)	(540		)	(7,228		)
Recoveries	—			2,287			290			2,577
Provision for loan and lease losses	1,178			3,248			325			4,751
Balance at December 31, 2018	$	28,187		$	25,283		$	5,222		$	58,692



	Year Ended December 31, 2017
	Commercial Real Estate			Commercial			Consumer			Total
	(In Thousands)
Balance at December 31, 2016	$	27,645		$	20,906		$	5,115		$	53,666
Charge-offs	(494		)	(14,914		)	(403		)	(15,811		)
Recoveries	476			1,158			319			1,953
(Credit) provision for loan and lease losses	(515		)	19,183			116			18,784
Balance at December 31, 2017	$	27,112		$	26,333		$	5,147		$	58,592

The liability for unfunded credit commitments, which is included in other liabilities, remained $1.9 million, at December 31, 2019, and 2018, respectively. The changes in the liability for unfunded credit commitments reflect changes in the estimate of loss exposure associated with certain unfunded credit commitments. No credit commitments were charged off against the liability account in the years ended December 31, 2019, and 2018.



	Originated							Acquired									Total
	Year Ended December 31,							Year Ended December 31,									Year Ended December 31,
	2019		2018		2017			2019			2018			2017			2019		2018		2017
	(In Thousands)
Provision (credit) for loan and lease losses:
Commercial real estate	$	1,798	$	254	$	(343	)	$	300		$	924		$	(172	)	$	2,098	$	1,178	$	(515	)
Commercial	6,539		3,699		18,899			227			(451		)	284			6,766		3,248		19,183
Consumer	713		556		273			(16		)	(231		)	(157		)	697		325		116
Total provision (credit) for loan and lease losses	9,050		4,509		18,829			511			242			(45		)	9,561		4,751		18,784
Unfunded credit commitments	22		200		204			—			—			—			22		200		204
Total provision (credit) for credit losses	$	9,072	$	4,709	$	19,033		$	511		$	242		$	(45	)	$	9,583	$	4,951	$	18,988

Management has established a methodology to determine the adequacy of the allowance for loan and lease losses that assesses the risks and losses inherent in the loan and lease portfolio. Additions to the allowance for loan and lease losses are made by charges to the provision for credit losses. Losses on loans and leases are charged off against the allowance when all or a portion of a loan or lease is considered uncollectible. Subsequent recoveries on loans previously charged off, if any, are credited to the allowance when realized. For each class of loan, management makes significant judgments in selecting the estimation method that fits the credit characteristics of its class and portfolio segment as set forth below. Also refer to Note 1,

As of December 31, 2019, the Company had a portfolio of approximately $10.3 million in loans secured by taxi medallions issued by the cities of Boston and Cambridge. As of December 31, 2018, this portfolio was approximately $13.7 million. Application-based mobile ride services, such as Uber and Lyft, have generated increased competition in the transportation sector, resulting in a reduction in taxi utilization and, as a result, a reduction in the collateral value and credit quality of taxi medallion loans. This has increased the likelihood that loans secured by taxi medallions may default, or that the borrowers may be unable to repay these loans at maturity, resulting in an increase in past due loans, troubled debt restructurings, and charge-offs. Therefore, beginning with the three months ended September 30, 2015, the Company’s allowance calculation included an enhanced segmentation of the commercial loans and leases to reflect the increased risk in the Company’s taxi medallion portfolio. This allowance calculation segmentation represents management’s estimations of the special risks associated with the taxi portfolio.

As of December 31, 2019, the Company had an allowance for loan and lease losses associated with taxi medallion loans of $2.1 million of which $0.6 million were specific reserves and $1.5 million was a general reserve. As of December 31, 2018, the Company had a reserve for loan and lease losses associated with taxi medallion loans of $2.5 million of which $1.9 million were specific reserves and $0.6 million was a general reserve. The decrease in the allowance for loans associated with taxi medallion loans was primarily driven by the decrease in specific reserves due to charge-offs, partially offset by the increase in the general reserve due to the downgrade of a taxi relationship. The total troubled debt restructured loans secured by taxi medallions decreased from $3.7 million at December 31, 2018 to $1.0 million at December 31, 2019. The total loans secured by taxi medallions that were placed on nonaccrual decreased to $1.3 million at December 31, 2019 from $3.7 million at December 31, 2018. The decrease in total loans secured by taxi medallions was primarily driven by the net charge-offs of $1.7 million and the pay down in taxi medallion loans. Further declines in demand for taxi services or further deterioration in the value of taxi medallions may result in higher delinquencies and losses beyond that provided for in the allowance for loan and lease losses.

The general allowance for loan and lease losses was $59.3 million as of December 31, 2019, compared to $55.6 million as of December 31, 2018. The general portion of the allowance for loan and lease losses increased by $3.7 million during the year ended December 31, 2019, as a result of the continued growth in the Company's loan portfolios, partly offset by decreases in historical loss factors applied to the commercial real estate and commercial loan portfolios.

The specific allowance for loan and lease losses was $1.8 million as of December 31, 2019, compared to $3.1 million as of December 31, 2018. The specific allowance for loan and lease losses decreased by $1.3 million during the year ended December 31, 2019, which was primarily driven by the charge-offs on the specific reserves for taxi medallion loans during the year.

At the time of loan origination, a rating is assigned based on the capacity to pay and general financial strength of the borrower, the value of assets pledged as collateral, and the evaluation of third party support such as a guarantor. The Company periodically monitors the quality of the loan portfolio using all available information. The officer responsible for handling each loan is required to initiate changes to risk ratings when changes in facts and circumstances occur that warrant an upgrade or downgrade in a loan rating. Based on this information, loans demonstrating certain payment issues or other weaknesses may be categorized as delinquent, impaired, nonperforming and/or put on nonaccrual status. Additionally, in the course of resolving such loans, the Company may choose to restructure the contractual terms of certain loans to match the borrower's ability to repay the loan based on their current financial condition. If a restructured loan meets certain criteria, it may be categorized as a troubled debt restructuring.

The Company reviews numerous credit quality indicators when assessing the risk in its loan portfolio. For all loans, the Company utilizes an eight-grade loan rating system, which assigns a risk rating to each borrower based on a number of quantitative and qualitative factors associated with a loan transaction. Factors considered include industry and market conditions; position within the industry; earnings trends; operating cash flow; asset/liability values; debt capacity; guarantor

strength; management and controls; financial reporting; collateral; and other considerations. In addition, the Company's independent loan review group evaluates the credit quality and related risk ratings in all loan portfolios. The results of these reviews are reported to the Risk Committee of the Board of Directors on a periodic basis and annually to the Board of Directors. For the consumer loans, the Company heavily relies on payment status for calibrating credit risk.

Borrowers exhibit potential credit weaknesses or downward trends deserving management's attention. If not checked or corrected, these trends will weaken the Company's asset and position. While potentially weak, currently these borrowers are marginally acceptable; no loss of principal or interest is envisioned.

Borrowers exhibit well defined weaknesses that jeopardize the orderly liquidation of debt. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligors or by the collateral pledged, if any. Normal repayment from the borrower is in jeopardy. Although no loss of principal is envisioned, there is a distinct possibility that a partial loss of interest and/or principal will occur if the deficiencies are not corrected. Collateral coverage may be inadequate to cover the principal obligation.

Borrowers exhibit well-defined weaknesses that jeopardize the orderly liquidation of debt with the added provision that the weaknesses make collection of the debt in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Serious problems exist to the point where partial loss of principal is likely.

The following tables present the recorded investment in loans in each class as of December 31, 2019 by credit quality indicator.



	At December 31, 2019
	Commercial Real Estate		Multi- Family Mortgage		Construction		Commercial		Equipment Financing		Condominium Association		Other Consumer		Total
	(In Thousands)
Originated:
Loan rating:
Pass	$	2,379,925	$	896,398	$	239,015	$	688,268	$	1,038,793	$	56,687	$	38,673	$	5,337,759
OAEM	17,006		—		—		10,803		1,389		—		—		29,198
Substandard	3,106		84		—		14,801		7,995		151		1		26,138
Doubtful	—		—		—		3		1,820		—		—		1,823
Total originated	2,400,037		896,482		239,015		713,875		1,049,997		56,838		38,674		5,394,918

Acquired:
Loan rating:
Pass	81,360		35,681		7,033		15,215		2,404		—		108		141,801
OAEM	597		—		—		210		—		—		—		807
Substandard	9,017		—		—		202		7		—		—		9,226
Total acquired	90,974		35,681		7,033		15,627		2,411		—		108		151,834

Total loans	$	2,491,011	$	932,163	$	246,048	$	729,502	$	1,052,408	$	56,838	$	38,782	$	5,546,752



	At December 31, 2019
	Residential Mortgage				Home Equity
	($ In Thousands)
Originated:
Loan-to-value ratio:
Less than 50%	$	184,628	22.7	%	$	132,736	35.2	%
50% - 69%	293,976		36.1	%	91,681		24.3	%
70% - 79%	204,600		25.1	%	81,459		21.6	%
80% and over	25,664		3.2	%	37,371		9.9	%
Data not available*	2,654		0.3	%	—		—	%
Total originated	711,522		87.4	%	343,247		91.0	%

Acquired:
Loan-to-value ratio:
Less than 50%	32,838		4.0	%	16,882		4.5	%
50%—69%	44,754		5.4	%	7,958		2.1	%
70%—79%	14,305		1.8	%	705		0.2	%
80% and over	4,608		0.6	%	4,726		1.3	%
Data not available*	6,218		0.8	%	3,301		0.9	%
Total acquired	102,723		12.6	%	33,572		9.0	%

Total loans	$	814,245	100.0	%	$	376,819	100.0	%



	At December 31, 2018
	Commercial Real Estate		Multi- Family Mortgage		Construction		Commercial		Equipment Financing		Condominium Association		Other Consumer		Total
	(In Thousands)
Originated:
Loan rating:
Pass	$	2,198,377	$	799,483	$	150,742	$	685,773	$	969,275	$	50,186	$	23,249	$	4,877,085
OAEM	6,096		—		—		3,726		52		—		—		9,874
Substandard	4,431		330		396		22,870		6,895		265		11		35,198
Doubtful	—		—		—		261		2,618		—		—		2,879
Total originated	2,208,904		799,813		151,138		712,630		978,840		50,451		23,260		4,925,036

Acquired:
Loan rating:
Pass	111,919		47,715		22,162		23,250		3,240		—		110		208,396
OAEM	626		—		—		236		—		—		—		862
Substandard	9,276		183		—		302		9		—		—		9,770
Total acquired	121,821		47,898		22,162		23,788		3,249		—		110		219,028

Total loans	$	2,330,725	$	847,711	$	173,300	$	736,418	$	982,089	$	50,451	$	23,370	$	5,144,064



	At December 31, 2018
	Residential Mortgage				Home Equity
	($ In Thousands)
Originated:
Loan-to-value ratio:
Less than 50%	$	171,523	21.9	%	$	142,534	37.9	%
50%—69%	287,337		36.7	%	84,423		22.4	%
70%—79%	173,870		22.2	%	73,898		19.6	%
80% and over	19,030		2.4	%	30,129		8.0	%
Data not available*	1,299		0.2	%	30		—	%
Total originated	653,059		83.4	%	331,014		87.9	%

Acquired:
Loan-to-value ratio:
Less than 50%	36,752		4.6	%	24,705		6.6	%
50%—69%	53,788		6.9	%	10,353		2.7	%
70%—79%	26,510		3.4	%	1,000		0.3	%
80% and over	6,701		0.9	%	4,348		1.2	%
Data not available*	6,158		0.8	%	5,064		1.3	%
Total acquired	129,909		16.6	%	45,470		12.1	%

Total loans	$	782,968	100.0	%	$	376,484	100.0	%

The following table presents information regarding foreclosed residential real estate property for the periods indicated:



	At December 31, 2019		At December 31, 2018
	(In Thousands)
Recorded investment in mortgage loans collateralized by residential real estate property that are in the process of foreclosure	$	110	$	121

The following tables present an age analysis of the recorded investment in total loans and leases as of December 31, 2019 and 2018.



	At December 31, 2019
	Past Due												Loans and Leases Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current		Total Loans and Leases				Nonaccrual Loans and Leases
	(In Thousands)
Originated:
Commercial real estate loans:
Commercial real estate	$	3,330	$	2,032	$	1,606	$	6,968	$	2,393,069	$	2,400,037	$	51	$	2,751
Multi-family mortgage	3,559		553		—		4,112		892,370		896,482		—		84
Construction	—		—		—		—		239,015		239,015		—		—
Total commercial real estate loans	6,889		2,585		1,606		11,080		3,524,454		3,535,534		51		2,835
Commercial loans and leases:
Commercial	5,010		199		3,875		9,084		704,791		713,875		—		4,707
Equipment financing	3,098		1,558		7,246		11,902		1,038,095		1,049,997		—		9,822
Condominium association	458		—		—		458		56,380		56,838		—		151
Total commercial loans and leases	8,566		1,757		11,121		21,444		1,799,266		1,820,710		—		14,680
Consumer loans:
Residential mortgage	1,014		—		3		1,017		710,505		711,522		—		753
Home equity	794		501		139		1,434		341,813		343,247		2		276
Other consumer	46		1		1		48		38,626		38,674		—		1
Total consumer loans	1,854		502		143		2,499		1,090,944		1,093,443		2		1,030
Total originated loans and leases	$	17,309	$	4,844	$	12,870	$	35,023	$	6,414,664	$	6,449,687	$	53	$	18,545
													(Continued)



	At December 31, 2019
	Past Due												Loans and Leases Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current		Total Loans and Leases				Nonaccrual Loans and Leases (1)
	(In Thousands)
Acquired:
Commercial real estate loans:
Commercial real estate	$	539	$	59	$	8,989	$	9,587	$	81,387	$	90,974	$	8,919	$	94
Multi-family mortgage	—		—		—		—		35,681		35,681		—		—
Construction	—		—		—		—		7,033		7,033		—		—
Total commercial real estate loans	539		59		8,989		9,587		124,101		133,688		8,919		94
Commercial loans and leases:
Commercial	—		—		—		—		15,627		15,627		—		202
Equipment financing	—		—		7		7		2,404		2,411		7		—
Total commercial loans and leases	—		—		7		7		18,031		18,038		7		202
Consumer loans:
Residential mortgage	35		75		1,090		1,200		101,523		102,723		1,090		—
Home equity	430		—		42		472		33,100		33,572		40		620
Other consumer	—		—		—		—		108		108		—		—
Total consumer loans	465		75		1,132		1,672		134,731		136,403		1,130		620
Total acquired loans and leases	1,004		134		10,128		11,266		276,863		288,129		10,056		916

Total loans and leases	$	18,313	$	4,978	$	22,998	$	46,289	$	6,691,527	$	6,737,816	$	10,109	$	19,461



	At December 31, 2018
	Past Due												Loans and Leases Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current		Total Loans and Leases				Nonaccrual Loans and Leases
	(In Thousands)
Originated:
Commercial real estate loans:
Commercial real estate	$	5,139	$	896	$	2,962	$	8,997	$	2,199,907	$	2,208,904	$	277	$	3,806
Multi-family mortgage	893		—		145		1,038		798,775		799,813		—		330
Construction	297		—		396		693		150,445		151,138		—		396
Total commercial real estate loans	6,329		896		3,503		10,728		3,149,127		3,159,855		277		4,532
Commercial loans and leases:
Commercial	2,021		582		6,244		8,847		703,783		712,630		1,962		6,421
Equipment financing	2,509		650		5,685		8,844		969,996		978,840		12		9,500
Condominium association	320		—		—		320		50,131		50,451		—		265
Total commercial loans and leases	4,850		1,232		11,929		18,011		1,723,910		1,741,921		1,974		16,186
Consumer loans:
Residential mortgage	400		—		1,597		1,997		651,062		653,059		—		1,842
Home equity	761		25		183		969		330,045		331,014		1		191
Other consumer	51		18		15		84		23,176		23,260		—		17
Total consumer loans	1,212		43		1,795		3,050		1,004,283		1,007,333		1		2,050
Total originated loans and leases	$	12,391	$	2,171	$	17,227	$	31,789	$	5,877,320	$	5,909,109	$	2,252	$	22,768
													(Continued)



	At December 31, 2018
	Past Due												Loans and Leases Past Due Greater Than 90 Days and Accruing
	31-60 Days		61-90 Days		Greater Than 90 Days		Total		Current		Total Loans and Leases				Nonaccrual Loans and Leases
	(In Thousands)
Acquired:
Commercial real estate loans:
Commercial real estate	$	—	$	215	$	9,087	$	9,302	$	112,519	$	121,821	$	9,018	$	122
Multi-family mortgage	348		—		—		348		47,550		47,898		—		—
Construction	360		242		—		602		21,560		22,162		—		—
Total commercial real estate loans	708		457		9,087		10,252		181,629		191,881		9,018		122
Commercial loans and leases:
Commercial	124		44		290		458		23,330		23,788		90		200
Equipment financing	—		—		9		9		3,240		3,249		9		—
Total commercial loans and leases	124		44		299		467		26,570		27,037		99		200
Consumer loans:
Residential mortgage	—		371		2,113		2,484		127,425		129,909		2,113		290
Home equity	191		265		2		458		45,012		45,470		—		717
Other consumer	—		—		—		—		110		110		—		—
Total consumer loans	191		636		2,115		2,942		172,547		175,489		2,113		1,007
Total acquired loans and leases	1,023		1,137		11,501		13,661		380,746		394,407		11,230		1,329

Total loans and leases	$	13,414	$	3,308	$	28,728	$	45,450	$	6,258,066	$	6,303,516	$	13,482	$	24,097

Refer to Note 1, "Basis of Presentation", in the consolidated financial statements for more information on the Company's methodology over impaired loans and leases. The following tables include the recorded investment and unpaid principal balances of impaired loans and leases with the related allowance amount, if applicable, for the originated and acquired loan and lease portfolios at the dates indicated. Also presented are the average recorded investments in the impaired loans and leases and the related amount of interest recognized during the period that the impaired loans were impaired.



	At December 31, 2019						At December 31, 2018
	Recorded Investment ₍₁₎		Unpaid Principal Balance		Related Allowance		Recorded Investment ₍₂₎		Unpaid Principal Balance		Related Allowance
	(In Thousands)
Originated:
With no related allowance recorded:
Commercial real estate	$	3,899	$	3,892	$	—	$	5,569	$	5,545	$	—
Commercial	28,539		28,533		—		30,927		31,053		—
Consumer	2,237		2,223		—		2,989		2,978		—
Total originated with no related allowance recorded	34,675		34,648		—		39,485		39,576		—
With an allowance recorded:
Commercial real estate	68		68		7		396		396		5
Commercial	5,980		6,055		1,672		8,224		8,208		2,961
Consumer	1,224		1,220		70		665		664		89
Total originated with an allowance recorded	7,272		7,343		1,749		9,285		9,268		3,055
Total originated impaired loans and leases	41,947		41,991		1,749		48,770		48,844		3,055

Acquired:
With no related allowance recorded:
Commercial real estate	12,365		12,366		—		9,538		9,538		—
Commercial	437		437		—		531		531		—
Consumer	3,516		3,516		—		4,772		4,772		—
Total acquired with no related allowance recorded	16,318		16,319		—		14,841		14,841		—
With an allowance recorded:
Consumer	447		447		40		154		154		26
Total acquired with an allowance recorded	447		447		40		154		154		26
Total acquired impaired loans and leases	16,765		16,766		40		14,995		14,995		26

Total impaired loans and leases	$	58,712	$	58,757	$	1,789	$	63,765	$	63,839	$	3,081

__________________________________________________________________________



	Year Ended
	December 31, 2019				December 31, 2018				December 31, 2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In Thousands)
Originated:
With no related allowance recorded:
Commercial real estate	$	5,148	$	110	$	6,484	$	87	$	10,181	$	277
Commercial	29,759		1,009		26,514		993		24,950		747
Consumer	2,662		42		2,801		54		4,330		58
Total originated with no related allowance recorded	37,569		1,161		35,799		1,134		39,461		1,082
With an allowance recorded:
Commercial real estate	269		3		99		—		3,271		162
Commercial	7,125		76		9,026		96		18,382		1
Consumer	946		32		835		11		—		—
Total originated with an allowance recorded	8,340		111		9,960		107		21,653		163
Total originated impaired loans and leases	45,909		1,272		45,759		1,241		61,114		1,245

Acquired:
With no related allowance recorded:
Commercial real estate	11,409		163		9,868		7		4,005		55
Commercial	511		11		1,212		16		2,280		31
Consumer	4,298		39		5,061		61		5,295		69
Total acquired with no related allowance recorded	16,218		213		16,141		84		11,580		155
With an allowance recorded:
Consumer	302		11		135		4		151		4
Total acquired with an allowance recorded	302		11		135		4		151		4
Total acquired impaired loans and leases	16,520		224		16,276		88		11,731		159

Total impaired loans and leases	$	62,429	$	1,496	$	62,035	$	1,329	$	72,845	$	1,404



	At December 31, 2019
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:
Originated:
Individually evaluated for impairment	$	7	$	1,672	$	70	$	1,749
Collectively evaluated for impairment	28,415		22,853		5,850		57,118
Total originated loans and leases	28,422		24,525		5,920		58,867

Acquired:
Individually evaluated for impairment	—		—		40		40
Collectively evaluated for impairment	65		197		11		273
Acquired with deteriorated credit quality	1,798		104		—		1,902
Total acquired loans and leases	1,863		301		51		2,215

Total allowance for loan and lease losses	$	30,285	$	24,826	$	5,971	$	61,082

Loans and Leases:
Originated:
Individually evaluated for impairment	$	3,956	$	20,019	$	3,326	$	27,301
Collectively evaluated for impairment	3,531,578		1,800,691		1,090,117		6,422,386
Total originated loans and leases	3,535,534		1,820,710		1,093,443		6,449,687

Acquired:
Individually evaluated for impairment	2,942		397		1,841		5,180
Collectively evaluated for impairment	79,465		15,465		110,758		205,688
Acquired with deteriorated credit quality	51,281		2,176		23,804		77,261
Total acquired loans and leases	133,688		18,038		136,403		288,129

Total loans and leases	$	3,669,222	$	1,838,748	$	1,229,846	$	6,737,816



	At December 31, 2018
	Commercial Real Estate		Commercial		Consumer		Total
	(In Thousands)
Allowance for Loan and Lease Losses:
Originated:
Individually evaluated for impairment	$	5	$	2,961	$	89	$	3,055
Collectively evaluated for impairment	26,617		22,131		5,075		53,823
Total originated loans and leases	26,622		25,092		5,164		56,878

Acquired:
Individually evaluated for impairment	—		—		26		26
Collectively evaluated for impairment	32		83		20		135
Acquired with deteriorated credit quality	1,533		108		12		1,653
Total acquired loans and leases	1,565		191		58		1,814

Total allowance for loan and lease losses	$	28,187	$	25,283	$	5,222	$	58,692

Loans and Leases:
Originated:
Individually evaluated for impairment	$	5,610	$	32,127	$	3,502	$	41,239
Collectively evaluated for impairment	3,154,245		1,709,794		1,003,831		5,867,870
Total originated loans and leases	3,159,855		1,741,921		1,007,333		5,909,109

Acquired:
Individually evaluated for impairment	—		404		2,072		2,476
Collectively evaluated for impairment	121,119		24,094		142,194		287,407
Acquired with deteriorated credit quality	70,762		2,539		31,223		104,524
Total acquired loans and leases	191,881		27,037		175,489		394,407

Total loans and leases	$	3,351,736	$	1,768,958	$	1,182,822	$	6,303,516

Total troubled debt restructuring loans and leases increased by $2.3 million to $23.2 million at December 31, 2019 from $20.9 million at December 31, 2018, primarily driven by one construction loan of $2.9 million which became a TDR during the year, partially offset by the payoff and pay down of current troubled debt restructuring loans during the year.



	At and for the Year Ended December 31, 2019
		Recorded Investment				Specific Allowance for Loan and Lease Losses				Defaulted ⁽¹⁾
	Number of Loans/ Leases	At Modification		At End of Period		Specific Allowance for Loan and Lease Losses		Nonaccrual Loans and Leases		Number of Loans/ Leases	Recorded Investment
	(Dollars in Thousands)
Originated:
Commercial real estate	2	$	295	$	290	$	—	$	221	—	$	—
Commercial	3	6,794		5,457		2,455		1,912		1	1,912
Equipment financing	7	2,774		2,266		—		392		2	365
Residential mortgage	3	868		866		—		96		—	—
Home equity	3	453		453		—		—		—	—
Total originated	18	11,184		9,332		2,455		2,621		3	2,277

Acquired:
Construction	1	4,869		2,942		—		—		—	—
Residential mortgage	1	297		295		—		—		—	—
Home equity	1	134		133		—		133		—	—
Total acquired	3	5,300		3,370		—		133		—	—

Total loans and leases	21	$	16,484	$	12,702	$	2,455	$	2,754	3	$	2,277



	At and for the Year Ended December 31, 2018
		Recorded Investment				Specific Allowance for Loan and Lease Losses				Defaulted ⁽¹⁾
	Number of Loans/ Leases	At Modification		At End of Period		Specific Allowance for Loan and Lease Losses		Nonaccrual Loans and Leases		Number of Loans/ Leases	Recorded Investment
	(Dollars in Thousands)
Originated:
Commercial real estate	1	$	673	$	652	$	—	$	653	—	$	—
Commercial	10	1,775		1,706		733		1,706		2	1,075
Equipment financing	14	2,510		2,556		37		1,351		—	—
Residential mortgage	2	550		550		12		341		1	341
Home equity	1	86		83		—		—		—	—
Total originated	28	$	5,594	$	5,547	$	782	$	4,051	3	$	1,416

Acquired:
Home equity	2	249		245		—		245		—	—
Total acquired	2	249		245		—		245		—	—

Total loans and leases	30	$	5,843	$	5,792	$	782	$	4,296	3	$	1,416



	At and for the Year Ended December 31, 2017
		Recorded Investment				Specific Allowance for Loan and Lease Losses				Defaulted ⁽¹⁾
	Number of Loans/ Leases	At Modification		At End of Period		Specific Allowance for Loan and Lease Losses		Nonaccrual Loans and Leases		Number of Loans/ Leases	Recorded Investment
	(Dollars in Thousands)
Originated:
Commercial real estate	1	$	189	$	189	$	—	$	—	—	$	—
Commercial	10	7,861		3,911		191		2,189		2	1,361
Equipment financing	16	2,687		2,901		137		1,440		1	188
Total originated	27	10,737		7,001		328		3,629		3	1,549

The following table sets forth the Company's end-of-period balances for troubled debt restructurings that were modified during the periods indicated, by type of modification.



	Year Ended December 31,
	2019		2018		2017
	(In Thousands)
Loans with one modification:
Extended maturity	$	5,811	$	1,717	$	2,810
Adjusted principal	—		—		19
Adjusted interest rate	252		—		—
Interest only	—		—		174
Combination maturity, principal, interest rate	3,624		3,651		1,914
Total loans modified once	$	9,687	$	5,368	$	4,917

Loans with more than one modification:
Extended maturity	$	3,015	$	—	$	1,910
Combination maturity, principal, interest rate	—		424		174
Total loans modified more than once	$	3,015	$	424	$	2,084

Total loans modified	$	12,702	$	5,792	$	7,001

The net charge-offs of the performing and nonperforming troubled debt restructuring loans and leases for the years ending December 31, 2019, 2018, and 2017 were $2.0 million, $1.2 million, and $4.8 million, respectively. The increase in net charge-offs of the performing and nonperforming troubled debt restructuring loans and leases for the year ending December 31, 2019 was primarily driven by the charge-offs on various taxi medallion relationships during the year.