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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2012
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Summary of loans receivable, excluding covered loans |
|  | March 31, |  | December 31, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Residential: |  |  |  |  |
Single-family |  | $ | 1,953,123 |  | $ | 1,796,635 |
Multifamily |  | 916,753 |  | 933,168 |
Total residential |  | 2,869,876 |  | 2,729,803 |
Commercial Real Estate (“CRE”): |  |  |  |  |
Income producing |  | 3,454,641 |  | 3,487,866 |
Construction |  | 152,579 |  | 171,410 |
Land |  | 169,654 |  | 173,089 |
Total CRE |  | 3,776,874 |  | 3,832,365 |
Commercial and Industrial (“C&I”): |  |  |  |  |
Commercial business |  | 2,785,971 |  | 2,655,917 |
Trade finance |  | 452,634 |  | 486,555 |
Total C&I |  | 3,238,605 |  | 3,142,472 |
Consumer: |  |  |  |  |
Student loans |  | 341,966 |  | 306,325 |
Other consumer |  | 270,792 |  | 277,461 |
Total consumer |  | 612,758 |  | 583,786 |
Total gross loans receivable, excluding covered loans |  | 10,498,113 |  | 10,288,426 |
Unearned fees, premiums, and discounts, net |  | (19,034 | ) | (16,762 | )
Allowance for loan losses, excluding covered loans |  | (214,253 | ) | (209,876 | )
Loans receivable, excluding covered loans, net |  | $ | 10,264,826 |  | $ | 10,061,788 |
Summary of non-covered loans by credit quality |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  | (In thousands) |
March 31, 2012 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 1,926,705 |  | $ | 10,905 |  | $ | 15,513 |  | $ | — |  | $ | 1,953,123 |
Multifamily |  | 798,348 |  | 23,930 |  | 94,475 |  | — |  | 916,753 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 3,204,450 |  | 43,052 |  | 207,139 |  | — |  | 3,454,641 |
Construction |  | 110,094 |  | — |  | 42,485 |  | — |  | 152,579 |
Land |  | 123,089 |  | 7,909 |  | 38,656 |  | — |  | 169,654 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 2,621,289 |  | 81,050 |  | 83,632 |  | — |  | 2,785,971 |
Trade finance |  | 435,020 |  | 6,168 |  | 11,446 |  | — |  | 452,634 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 341,134 |  | 50 |  | 782 |  | — |  | 341,966 |
Other consumer |  | 266,379 |  | 170 |  | 4,243 |  | — |  | 270,792 |
Total |  | $ | 9,826,508 |  | $ | 173,234 |  | $ | 498,371 |  | $ | — |  | $ | 10,498,113 |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  | (In thousands) |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 1,768,149 |  | $ | 11,239 |  | $ | 17,247 |  | $ | — |  | $ | 1,796,635 |
Multifamily |  | 810,458 |  | 25,531 |  | 97,179 |  | — |  | 933,168 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 3,211,386 |  | 63,066 |  | 213,414 |  | — |  | 3,487,866 |
Construction |  | 109,184 |  | — |  | 62,226 |  | — |  | 171,410 |
Land |  | 125,534 |  | 7,954 |  | 39,601 |  | — |  | 173,089 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 2,492,904 |  | 62,409 |  | 100,357 |  | 247 |  | 2,655,917 |
Trade finance |  | 467,822 |  | 7,161 |  | 11,572 |  | — |  | 486,555 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 305,880 |  | 188 |  | 257 |  | — |  | 306,325 |
Other consumer |  | 273,692 |  | — |  | 3,769 |  | — |  | 277,461 |
Total |  | $ | 9,565,009 |  | $ | 177,548 |  | $ | 545,622 |  | $ | 247 |  | $ | 10,288,426 |
Age analysis of nonaccrual and past due non-covered loans and loans held for sale |
|  | Accruing |  | Accruing |  | Total |  | Nonaccrual |  | Nonaccrual |  | Total |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Nonaccrual |  |  |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Past Due |  | Current |  |  |
|  | Past Due |  | Past Due |  | Loans |  | Past Due |  | Days Past Due |  | Loans |  | Loans |  | Total |
|  | (In thousands) |
March 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,786 |  | $ | 216 |  | $ | 4,002 |  | $ | — |  | $ | 3,735 |  | $ | 3,735 |  | $ | 1,945,386 |  | $ | 1,953,123 |
Multifamily |  | 4,281 |  | 4,849 |  | 9,130 |  | 10,399 |  | 8,067 |  | 18,466 |  | 889,157 |  | 916,753 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 14,696 |  | 2,734 |  | 17,430 |  | 3,450 |  | 29,962 |  | 33,412 |  | 3,403,799 |  | 3,454,641 |
Construction |  | — |  | — |  | — |  | — |  | 25,832 |  | 25,832 |  | 126,747 |  | 152,579 |
Land |  | 12,750 |  | 579 |  | 13,329 |  | 530 |  | 8,477 |  | 9,007 |  | 147,318 |  | 169,654 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 14,692 |  | 543 |  | 15,235 |  | 4,082 |  | 6,806 |  | 10,888 |  | 2,759,848 |  | 2,785,971 |
Trade finance |  | — |  | — |  | — |  | — |  | 2,042 |  | 2,042 |  | 450,592 |  | 452,634 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 157 |  | 50 |  | 207 |  | — |  | 782 |  | 782 |  | 340,977 |  | 341,966 |
Other consumer |  | 1,246 |  | 170 |  | 1,416 |  | — |  | 2,392 |  | 2,392 |  | 266,984 |  | 270,792 |
Loans held for sale |  | — |  | — |  | — |  | — |  | 14,242 |  | 14,242 |  | 266,588 |  | 280,830 |
Total |  | $ | 51,608 |  | $ | 9,141 |  | $ | 60,749 |  | $ | 18,461 |  | $ | 102,337 |  | $ | 120,798 |  | $ | 10,597,396 |  | 10,778,943 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  |  |  | (19,034 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  |  |  |  | $ | 10,759,909 |
|  | Accruing |  | Accruing |  | Total |  | Nonaccrual |  | Nonaccrual |  | Total |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Nonaccrual |  |  |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Past Due |  | Current |  |  |
|  | Past Due |  | Past Due |  | Loans |  | Past Due |  | Days Past Due |  | Loans |  | Loans |  | Total |
|  | (In thousands) |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 6,991 |  | $ | 1,198 |  | $ | 8,189 |  | $ | — |  | $ | 3,569 |  | $ | 3,569 |  | $ | 1,784,877 |  | $ | 1,796,635 |
Multifamily |  | 6,366 |  | 745 |  | 7,111 |  | 6,889 |  | 11,306 |  | 18,195 |  | 907,862 |  | 933,168 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 18,179 |  | 1,549 |  | 19,728 |  | 6,885 |  | 25,690 |  | 32,575 |  | 3,435,563 |  | 3,487,866 |
Construction |  | — |  | — |  | — |  | 26,482 |  | 14,688 |  | 41,170 |  | 130,240 |  | 171,410 |
Land |  | — |  | 573 |  | 573 |  | 1,136 |  | 9,589 |  | 10,725 |  | 161,791 |  | 173,089 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 342 |  | 2,957 |  | 3,299 |  | 4,394 |  | 6,843 |  | 11,237 |  | 2,641,381 |  | 2,655,917 |
Trade finance |  | — |  | — |  | — |  | — |  | — |  | — |  | 486,555 |  | 486,555 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 109 |  | 188 |  | 297 |  | — |  | 257 |  | 257 |  | 305,771 |  | 306,325 |
Other consumer |  | 1,130 |  | — |  | 1,130 |  | — |  | 2,249 |  | 2,249 |  | 274,082 |  | 277,461 |
Loans held for sale |  | — |  | — |  | — |  | — |  | 25,655 |  | 25,655 |  | 252,948 |  | 278,603 |
Total |  | $ | 33,117 |  | $ | 7,210 |  | $ | 40,327 |  | $ | 45,786 |  | $ | 99,846 |  | $ | 145,632 |  | $ | 10,381,070 |  | 10,567,029 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  |  |  | (16,762 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  |  |  |  | $ | 10,550,267 |
Summary of interest income foregone on nonaccrual loans |
|  | For the Three Months Ended |
|  | March 31, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Interest income that would have been recognized had nonaccrual loans performed in accordance with their original terms |  | $ | 1,730 |  | $ | 2,765 |
Less: Interest income recognized on nonaccrual loans on a cash basis |  | (701 | ) | (807 | )
Interest income foregone on nonaccrual loans |  | $ | 1,029 |  | $ | 1,958 |
Loans modified as troubled debt restructurings |
|  | Loans Modified as TDRs During the |
|  | Three Months Ended March 31, 2012 |
|  |  |  | Pre-Modification |  | Post-Modification |  |  |
|  | Number |  | Outstanding |  | Outstanding |  |  |
|  | of |  | Recorded |  | Recorded |  | Financial |
|  | Contracts |  | Investment |  | Investment (1) |  | Impact (2) |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  | $ | 302 |  | $ | 206 |  | $ | 95 |
Multifamily |  | 1 |  | $ | 399 |  | $ | 390 |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | 4 |  | $ | 4,103 |  | $ | 3,683 |  | $ | 561 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | 1 |  | $ | 432 |  | $ | 70 |  | $ | 77 |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 6 |  | $ | 2,525 |  | $ | 2,489 |  | $ | 297 |
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | $ | — |  | $ | — |
(1) Includes subsequent payments after modification and reflects the balance as of March 31, 2012. (2) The financial impact includes chargeoffs and specific reserves recorded at modification date.
Troubled debt restructurings that subsequently defaulted |
|  | Loans Modified as TDRs during the Prior 12 |
|  | Months, that Subsequently Defaulted During the |
|  | Three Months Ended March 31, 2012 |
|  | Number of |  | Recorded |
|  | Contracts |  | Investment |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |
Single-family |  | — |  | $ | — |
Multifamily |  | 2 |  | $ | 1,109 |
CRE: |  |  |  |  |
Income producing |  | — |  | $ | — |
Construction |  | 1 |  | $ | 1,509 |
Land |  | — |  | $ | — |
C&I: |  |  |  |  |
Commercial business |  | 2 |  | $ | 227 |
Trade finance |  | — |  | $ | — |
Consumer: |  |  |  |  |
Student loans |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |
Summary of impaired non-covered loans, including interest income recognized |
|  |  |  |  |  |  |  |  |  |  |  | For the three months |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  | ended March 31, 2012 |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |  | Average |  | Interest |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |  | Recorded |  | Income |
|  | Balance |  | Allowance |  | Allowance |  | Investment |  | Allowance |  | Investment |  | Recognized (1) |
|  |  |  |  |  |  |  | (In thousands) |  |  |  |  |  |  |
As of and for the three months ended March 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 5,428 |  | $ | 4,571 |  | $ | — |  | $ | 4,571 |  | $ | — |  | $ | 5,186 |  | $ | — |
Multifamily |  | 26,651 |  | 22,016 |  | 2,025 |  | 24,041 |  | 683 |  | 24,441 |  | 107 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 51,633 |  | 37,275 |  | 5,274 |  | 42,549 |  | 1,050 |  | 44,072 |  | 255 |
Construction |  | 34,819 |  | 27,581 |  | 472 |  | 28,053 |  | 220 |  | 28,447 |  | 153 |
Land |  | 19,527 |  | 9,001 |  | 8,139 |  | 17,140 |  | 2,030 |  | 17,486 |  | 41 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 17,861 |  | 10,494 |  | 2,790 |  | 13,284 |  | 1,969 |  | 13,999 |  | 145 |
Trade finance |  | 2,042 |  | 2,042 |  | — |  | 2,042 |  | — |  | 2,083 |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 782 |  | 782 |  | — |  | 782 |  | — |  | 782 |  | — |
Other consumer |  | 2,449 |  | 2,392 |  | — |  | 2,392 |  | — |  | 2,418 |  | — |
Total |  | $ | 161,192 |  | $ | 116,154 |  | $ | 18,700 |  | $ | 134,854 |  | $ | 5,952 |  | $ | 138,914 |  | $ | 701 |
|  |  |  |  |  |  |  |  |  |  |  | For the year |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  | ended December 31, 2011 |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |  | Average |  | Interest |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |  | Recorded |  | Income |
|  | Balance |  | Allowance |  | Allowance |  | Investment |  | Allowance |  | Investment |  | Recognized (1) |
|  |  |  |  |  |  |  | (In thousands) |  |  |  |  |  |  |
As of and for the year ended December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 10,248 |  | $ | 6,578 |  | $ | 2,535 |  | $ | 9,113 |  | $ | 1,131 |  | $ | 9,408 |  | $ | 65 |
Multifamily |  | 37,450 |  | 28,272 |  | 3,520 |  | 31,792 |  | 1,124 |  | 35,855 |  | 473 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 69,664 |  | 55,701 |  | 7,941 |  | 63,642 |  | 1,187 |  | 68,087 |  | 1,030 |
Construction |  | 75,714 |  | 45,413 |  | 1,067 |  | 46,480 |  | 815 |  | 64,398 |  | 1,099 |
Land |  | 40,615 |  | 25,806 |  | 8,692 |  | 34,498 |  | 3,949 |  | 36,002 |  | 341 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 38,857 |  | 20,772 |  | 6,650 |  | 27,422 |  | 4,835 |  | 32,033 |  | 484 |
Trade finance |  | 4,127 |  | 4,127 |  | — |  | 4,127 |  | — |  | 4,127 |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 257 |  | 257 |  | — |  | 257 |  | — |  | 257 |  | — |
Other consumer |  | 2,249 |  | 2,249 |  | — |  | 2,249 |  | — |  | 2,251 |  | 27 |
Total |  | $ | 279,181 |  | $ | 189,175 |  | $ | 30,405 |  | $ | 219,580 |  | $ | 13,041 |  | $ | 252,418 |  | $ | 3,519 |
(1) Excludes interest from performing TDRs.
Detail of activity in allowance for loan losses, for both covered and non-covered loans, by portfolio segment |
|  |  |  |  |  |  |  |  |  | Covered Loans |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  |  |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses (1) |  | Unallocated |  | Total |
|  | (In thousands) |
Three months ended March 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 52,180 |  | $ | 66,457 |  | $ | 87,020 |  | $ | 4,219 |  | $ | 6,647 |  | $ | — |  | $ | 216,523 |
Provision for loan losses |  | 1,103 |  | 12,465 |  | 1,315 |  | (182 | ) | 1,621 |  | 1,778 |  | 18,100 |
Allowance for unfunded loan commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
and letters of credit |  | — |  | — |  | — |  | — |  | — |  | (1,778 | ) | (1,778 | )
Charge-offs |  | (3,031 | ) | (10,707 | ) | (2,887 | ) | (163 | ) | — |  | — |  | (16,788 | )
Recoveries |  | 941 |  | 2,775 |  | 2,665 |  | 83 |  | — |  | — |  | 6,464 |
Net charge-offs |  | (2,090 | ) | (7,932 | ) | (222 | ) | (80 | ) | — |  | — |  | (10,324 | )
Ending balance |  | $ | 51,193 |  | $ | 70,990 |  | $ | 88,113 |  | $ | 3,957 |  | $ | 8,268 |  | $ | — |  | $ | 222,521 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 683 |  | $ | 3,300 |  | $ | 1,969 |  | $ | — |  | $ | — |  | $ | — |  | $ | 5,952 |
Loans collectively evaluated for impairment |  | 50,510 |  | 67,690 |  | 86,144 |  | 3,957 |  | 8,268 |  | — |  | 216,569 |
Loans acquired with deteriorated credit quality(2) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Ending balance |  | $ | 51,193 |  | $ | 70,990 |  | $ | 88,113 |  | $ | 3,957 |  | $ | 8,268 |  | $ | — |  | $ | 222,521 |
|  |  |  |  |  |  |  |  |  | Covered Loans |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  |  |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses (1) |  | Unallocated |  | Total |
|  | (In thousands) |
Year ended December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,491 |  | $ | 117,752 |  | $ | 59,737 |  | $ | 3,428 |  | $ | 4,225 |  | $ | — |  | $ | 234,633 |
Provision for loan losses |  | 15,416 |  | 22,817 |  | 50,848 |  | 2,455 |  | 2,422 |  | 1,048 |  | 95,006 |
Allowance for unfunded loan commitments |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
and letters of credit |  | — |  | — |  | — |  | — |  | — |  | (1,048 | ) | (1,048 | )
Charge-offs |  | (13,323 | ) | (78,803 | ) | (30,606 | ) | (1,959 | ) | — |  | — |  | (124,691 | )
Recoveries |  | 596 |  | 4,691 |  | 7,041 |  | 295 |  | — |  | — |  | 12,623 |
Net charge-offs |  | (12,727 | ) | (74,112 | ) | (23,565 | ) | (1,664 | ) | — |  | — |  | (112,068 | )
Ending balance |  | $ | 52,180 |  | $ | 66,457 |  | $ | 87,020 |  | $ | 4,219 |  | $ | 6,647 |  | $ | — |  | $ | 216,523 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 2,255 |  | $ | 5,951 |  | $ | 4,835 |  | $ | — |  | $ | — |  | $ | — |  | $ | 13,041 |
Loans collectively evaluated for impairment |  | 49,925 |  | 60,506 |  | 82,185 |  | 4,219 |  | 6,647 |  | — |  | 203,482 |
Loans acquired with deteriorated credit quality (2) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Ending balance |  | $ | 52,180 |  | $ | 66,457 |  | $ | 87,020 |  | $ | 4,219 |  | $ | 6,647 |  | $ | — |  | $ | 216,523 |
(1) This allowance is related to drawdowns on commitments that were in existence as of the acquisition dates of WFIB and UCB and, therefore, are covered under the shared-loss agreements with the FDIC. Allowance on these subsequent drawdowns is accounted for as part of the allowance for loan losses. (2) The Company has elected to account for all covered loans acquired in the FDIC-assisted acquisitions under ASC 310-30.
Recorded investment in total loans receivable by portfolio segment, disaggregated by impairment methodology |
|  |  |  |  |  |  |  |  |  | Covered Loans |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses |  | Total |
|  | (In thousands) |
March 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 28,611 |  | $ | 87,742 |  | $ | 15,325 |  | $ | 2,392 |  | $ | — |  | $ | 134,070 |
Loans collectively evaluated for impairment |  | 2,841,265 |  | 3,689,132 |  | 3,223,281 |  | 610,365 |  | 537,244 |  | 10,901,287 |
Loans acquired with deteriorated credit quality (1) |  | 1,262,390 |  | 2,176,843 |  | 363,311 |  | 63,320 |  | — |  | 3,865,864 |
Ending balance |  | $ | 4,132,266 |  | $ | 5,953,717 |  | $ | 3,601,917 |  | $ | 676,077 |  | $ | 537,244 |  | $ | 14,901,221 |
|  |  |  |  |  |  |  |  |  | Covered Loans |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses |  | Total |
|  | (In thousands) |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 43,395 |  | $ | 143,631 |  | $ | 31,338 |  | $ | 2,249 |  | $ | — |  | $ | 220,613 |
Loans collectively evaluated for impairment |  | 2,686,408 |  | 3,688,734 |  | 3,111,135 |  | 581,536 |  | 583,804 |  | 10,651,617 |
Loans acquired with deteriorated credit quality (1) |  | 1,331,615 |  | 2,322,062 |  | 413,479 |  | 67,124 |  | — |  | 4,134,280 |
Ending balance |  | $ | 4,061,418 |  | $ | 6,154,427 |  | $ | 3,555,952 |  | $ | 650,909 |  | $ | 583,804 |  | $ | 15,006,510 |
(1) The Company has elected to account for all covered loans acquired in the FDIC-assisted acquisitions under ASC 310-30. The total principal balance is presented and excludes the purchase discount and any additional advances subsequent to acquisition date.

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