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COVERED ASSETS AND FDIC INDEMNIFICATION ASSET (Tables) | 6 Months Ended
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Jun. 30, 2012
COVERED ASSETS AND FDIC INDEMNIFICATION ASSET |
Carrying amounts and composition of covered loans |
|  | June 30, |  | December 31, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Real estate loans: |  |  |  |  |
Residential single-family |  | $ | 402,001 |  | $ | 442,732 |
Residential multifamily |  | 806,371 |  | 918,941 |
Commercial and industrial real estate |  | 1,568,191 |  | 1,773,760 |
Construction and land |  | 525,152 |  | 653,045 |
Total real estate loans |  | 3,301,715 |  | 3,788,478 |
Other loans: |  |  |  |  |
Commercial business |  | 674,362 |  | 831,762 |
Other consumer |  | 93,082 |  | 97,844 |
Total other loans |  | 767,444 |  | 929,606 |
Total principal balance |  | 4,069,159 |  | 4,718,084 |
Covered discount |  | (645,373 | ) | (788,295 | )
Net valuation of loans |  | 3,423,786 |  | 3,929,789 |
Allowance on covered loans |  | (7,173 | ) | (6,647 | )
Total covered loans, net |  | $ | 3,416,613 |  | $ | 3,923,142 |
Covered nonperforming assets, by credit quality indicators |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  |  |  |  |  | (In thousands) |  |  |  |  |
June 30, 2012 |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential single-family |  | $ | 385,358 |  | $ | 2,530 |  | $ | 14,113 |  | $ | — |  | $ | 402,001 |
Residential multifamily |  | 705,861 |  | 12,816 |  | 87,694 |  | — |  | 806,371 |
Commercial and industrial real estate |  | 1,107,430 |  | 14,988 |  | 438,788 |  | 6,985 |  | 1,568,191 |
Construction and land |  | 223,214 |  | 39,579 |  | 259,703 |  | 2,656 |  | 525,152 |
Total real estate loans |  | 2,421,863 |  | 69,913 |  | 800,298 |  | 9,641 |  | 3,301,715 |
Other loans: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 477,449 |  | 32,885 |  | 162,854 |  | 1,174 |  | 674,362 |
Other consumer |  | 90,556 |  | — |  | 2,526 |  | — |  | 93,082 |
Total other loans |  | 568,005 |  | 32,885 |  | 165,380 |  | 1,174 |  | 767,444 |
Total principal balance |  | $ | 2,989,868 |  | $ | 102,798 |  | $ | 965,678 |  | $ | 10,815 |  | $ | 4,069,159 |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  |  |  |  |  | (In thousands) |  |  |  |  |
December 31, 2011 |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Residential single-family |  | $ | 427,918 |  | $ | 1,085 |  | $ | 13,729 |  | $ | — |  | $ | 442,732 |
Residential multifamily |  | 779,694 |  | 26,124 |  | 113,123 |  | — |  | 918,941 |
Commercial and industrial real estate |  | 1,249,781 |  | 43,810 |  | 472,003 |  | 8,166 |  | 1,773,760 |
Construction and land |  | 242,996 |  | 40,859 |  | 362,958 |  | 6,232 |  | 653,045 |
Total real estate loans |  | 2,700,389 |  | 111,878 |  | 961,813 |  | 14,398 |  | 3,788,478 |
Other loans: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 643,117 |  | 34,707 |  | 149,253 |  | 4,685 |  | 831,762 |
Other consumer |  | 96,342 |  | — |  | 1,502 |  | — |  | 97,844 |
Total other loans |  | 739,459 |  | 34,707 |  | 150,755 |  | 4,685 |  | 929,606 |
Total principal balance |  | $ | 3,439,848 |  | $ | 146,585 |  | $ | 1,112,568 |  | $ | 19,083 |  | $ | 4,718,084
Covered nonperforming assets |
|  | June 30, |  | December 31, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Covered nonaccrual loans(1) (2) |  | $ | 202,455 |  | $ | 194,506 |
Covered loans past due 90 days or more but not on nonaccrual |  | — |  | — |
Total nonperforming loans |  | 202,455 |  | 194,506 |
Other real estate owned covered, net |  | 35,577 |  | 63,624 |
Total covered nonperforming assets |  | $ | 238,032 |  | $ | 258,130 |
(1) Covered nonaccrual loans meet the criteria for nonaccrual but have a yield accreted through interest income under ASC 310-30. (2) Represents principal balance net of discount.
Changes in the accretable yield for the covered loans |
|  | Three Months Ended |
|  | June 30, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 696,666 |  | $ | 1,068,116 |
Additions |  | — |  | — |
Accretion |  | (55,030 | ) | (52,760 | )
Changes in expected cash flows |  | (21,168 | ) | (34,424 | )
Balance at end of period |  | $ | 620,468 |  | $ | 980,932 |
|  | Six Months Ended |
|  | June 30, |
|  | 2012 |  | 2011 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 785,165 |  | $ | 1,153,272 |
Additions |  | — |  | — |
Accretion |  | (80,636 | ) | (111,440 | )
Changes in expected cash flows |  | (84,061 | ) | (60,900 | )
Balance at end of period |  | $ | 620,468 |  | $ | 980,932 |
FDIC indemnification asset activity |
|  | Three Months Ended |  | Six Months Ended |
|  | June 30, |  | June 30, |
|  | 2012 |  | 2011 |  | 2012 |  | 2011 |
|  | (In thousands) |  | (In thousands) |
Balance at beginning of period |  | $ | 457,265 |  | $ | 717,260 |  | $ | 511,135 |  | $ | 792,133 |
(Amortization) |  | (7,787 | ) | (15,432 | ) | (17,858 | ) | (33,709 | )
Reductions (1) |  | (36,050 | ) | (64,293 | ) | (77,018 | ) | (120,889 | )
Estimate of FDIC repayment (2) |  | (4,141 | ) | — |  | (6,972 | ) | — |
Balance at end of period |  | $ | 409,287 |  |  | $ | 637,535 |  |  | $ | 409,287 |  |  | $ | 637,535 |
(1) Reductions relate to cash flows received from principal amortization, partial prepayments, loan payoffs and loan sales. (2) This represents the change in the calculated estimate the Company will be required to pay the FDIC at the end of the FDIC loss share agreements, due to lower thresholds of losses.

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- Definition A tabular disclosure of the carrying amounts and composition of covered loans delineated by loan type. The disclosure includes the carrying amounts of credit impaired loans by loan type. + References No definition available. + Details
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- Definition A tabular disclosure of information regarding covered nonperforming assets, including nonaccrual and past due loans as well as other real estate owned, by credit quality indicators. + References No definition available. + Details
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