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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2013
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Summary of loans receivable, excluding covered loans |
|  | June 30, |  | December 31, |
|  | 2013 |  | 2012 |
|  | (In thousands) |
Residential: |  |  |  |  |
Single-family |  | $ | 2,575,975 |  | $ | 2,187,323 |
Multifamily |  | 929,867 |  | 900,708 |
Total residential |  | 3,505,842 |  | 3,088,031 |
Commercial Real Estate (“CRE”): |  |  |  |  |
Income producing |  | 3,917,082 |  | 3,644,035 |
Construction |  | 105,084 |  | 121,589 |
Land |  | 128,218 |  | 129,071 |
Total CRE |  | 4,150,384 |  | 3,894,695 |
Commercial and Industrial (“C&I”): |  |  |  |  |
Commercial business |  | 4,036,795 |  | 3,569,388 |
Trade finance |  | 672,880 |  | 661,877 |
Total C&I |  | 4,709,675 |  | 4,231,265 |
Consumer: |  |  |  |  |
Student loans |  | 615,707 |  | 475,799 |
Other consumer |  | 544,306 |  | 269,083 |
Total consumer |  | 1,160,013 |  | 744,882 |
Total gross loans receivable, excluding covered loans |  | 13,525,914 |  | 11,958,873 |
Unearned fees, premiums, and discounts, net |  | (28,219 | ) | (19,301 | )
Allowance for loan losses, excluding covered loans |  | (233,480 | ) | (229,382 | )
Loans receivable, excluding covered loans, net |  | $ | 13,264,215 |  | $ | 11,710,190 |
Summary of non-covered loans by credit quality |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  | (In thousands) |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 2,549,678 |  | $ | 11,392 |  | $ | 14,905 |  | $ | — |  | $ | 2,575,975 |
Multifamily |  | 843,283 |  | 7,459 |  | 79,125 |  | — |  | 929,867 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 3,659,388 |  | 45,802 |  | 211,892 |  | — |  | 3,917,082 |
Construction |  | 77,327 |  | 6,160 |  | 21,597 |  | — |  | 105,084 |
Land |  | 79,291 |  | 13,043 |  | 35,884 |  | — |  | 128,218 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,774,340 |  | 142,216 |  | 120,239 |  | — |  | 4,036,795 |
Trade finance |  | 659,604 |  | 9,124 |  | 4,152 |  | — |  | 672,880 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 615,642 |  | 65 |  | — |  | — |  | 615,707 |
Other consumer |  | 539,178 |  | 1,619 |  | 3,509 |  | — |  | 544,306 |
Total |  | $ | 12,797,731 |  | $ | 236,880 |  | $ | 491,303 |  | $ | — |  | $ | 13,525,914 |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  | (In thousands) |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 2,163,918 |  | $ | 5,131 |  | $ | 18,274 |  | $ | — |  | $ | 2,187,323 |
Multifamily |  | 781,552 |  | 13,510 |  | 105,646 |  | — |  | 900,708 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 3,416,142 |  | 42,222 |  | 185,671 |  | — |  | 3,644,035 |
Construction |  | 63,008 |  | 16,885 |  | 41,696 |  | — |  | 121,589 |
Land |  | 79,085 |  | 13,232 |  | 36,754 |  | — |  | 129,071 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,380,212 |  | 69,687 |  | 119,489 |  | — |  | 3,569,388 |
Trade finance |  | 632,617 |  | 24,778 |  | 4,482 |  | — |  | 661,877 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 475,799 |  | — |  | — |  | — |  | 475,799 |
Other consumer |  | 261,136 |  | 1,115 |  | 6,832 |  | — |  | 269,083 |
Total |  | $ | 11,253,469 |  | $ | 186,560 |  | $ | 518,844 |  | $ | — |  | $ | 11,958,873 |
Aging analysis of nonaccrual loans 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) |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 12,885 |  | $ | 6,585 |  | $ | 19,470 |  | $ | 4,144 |  | $ | 3,066 |  | $ | 7,210 |  | $ | 2,549,295 |  | $ | 2,575,975 |
Multifamily |  | 6,929 |  | 570 |  | 7,499 |  | 21,548 |  | 8,678 |  | 30,226 |  | 892,142 |  | 929,867 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 15,779 |  | 26,227 |  | 42,006 |  | 5,735 |  | 11,536 |  | 17,271 |  | 3,857,805 |  | 3,917,082 |
Construction |  | — |  | — |  | — |  | 6,888 |  | — |  | 6,888 |  | 98,196 |  | 105,084 |
Land |  | 3,332 |  | — |  | 3,332 |  | 956 |  | 3,357 |  | 4,313 |  | 120,573 |  | 128,218 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,256 |  | 2,485 |  | 8,741 |  | 4,214 |  | 14,413 |  | 18,627 |  | 4,009,427 |  | 4,036,795 |
Trade finance |  | — |  | — |  | — |  | 318 |  | 545 |  | 863 |  | 672,017 |  | 672,880 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | 65 |  | 65 |  | — |  | — |  | — |  | 615,642 |  | 615,707 |
Other consumer |  | 1,104 |  | 82 |  | 1,186 |  | — |  | 796 |  | 796 |  | 542,324 |  | 544,306 |
Loans held for sale |  | — |  | — |  | — |  | — |  | 25,837 |  | 25,837 |  | 219,189 |  | 245,026 |
Total |  | $ | 46,285 |  | $ | 36,014 |  | $ | 82,299 |  | $ | 43,803 |  | $ | 68,228 |  | $ | 112,031 |  | $ | 13,576,610 |  | 13,770,940 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  | (28,219 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  | $ | 13,742,721 |
|  | 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, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 4,820 |  | $ | 2,244 |  | $ | 7,064 |  | $ | 1,301 |  | $ | 9,809 |  | $ | 11,110 |  | $ | 2,169,149 |  | $ | 2,187,323 |
Multifamily |  | 7,127 |  | 924 |  | 8,051 |  | 6,788 |  | 11,052 |  | 17,840 |  | 874,817 |  | 900,708 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 18,118 |  | 4,731 |  | 22,849 |  | 9,485 |  | 8,354 |  | 17,839 |  | 3,603,347 |  | 3,644,035 |
Construction |  | — |  | — |  | — |  | — |  | 27,039 |  | 27,039 |  | 94,550 |  | 121,589 |
Land |  | — |  | — |  | — |  | 637 |  | 3,984 |  | 4,621 |  | 124,450 |  | 129,071 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,293 |  | 316 |  | 3,609 |  | 8,068 |  | 14,740 |  | 22,808 |  | 3,542,971 |  | 3,569,388 |
Trade finance |  | 500 |  | — |  | 500 |  | 429 |  | 2,003 |  | 2,432 |  | 658,945 |  | 661,877 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 71 |  | — |  | 71 |  | — |  | — |  | — |  | 475,728 |  | 475,799 |
Other consumer |  | 485 |  | 968 |  | 1,453 |  | 499 |  | 3,921 |  | 4,420 |  | 263,210 |  | 269,083 |
Loans held for sale |  | — |  | — |  | — |  | — |  | — |  | — |  | 174,317 |  | 174,317 |
Total |  | $ | 34,414 |  | $ | 9,183 |  | $ | 43,597 |  | $ | 27,207 |  | $ | 80,902 |  | $ | 108,109 |  | $ | 11,981,484 |  | 12,133,190 |
Unearned fees, premiums and discounts, net |  |  |  |  |  | (19,301 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  | $ | 12,113,889 |
Summary of interest income foregone on nonaccrual loans |
|  | For the Three Months Ended |  | For the Six Months Ended |
|  | June 30, |  | June 30, |
|  | 2013 |  | 2012 |  | 2013 |  | 2012 |
|  | (In thousands) |
Interest income that would have been recognized had nonaccrual loans performed in accordance with their original terms |  | $ | 1,353 |  | $ | 1,767 |  | $ | 3,009 |  | $ | 3,497 |
Less: Interest income recognized on nonaccrual loans on a cash basis |  | (623 | ) | (609 | ) | (1,057 | ) | (1,073 | )
Interest income foregone on nonaccrual loans |  | $ | 730 |  | $ | 1,158 |  | $ | 1,952 |  | $ | 2,424 |
Loans modified as troubled debt restructurings |
|  | Loans Modified as TDRs During the Three Months Ended June 30, |
|  | 2013 |  | 2012 |
|  |  |  | Pre-Modification |  | Post-Modification |  |  |  |  |  | Pre-Modification |  | Post-Modification |  |  |
|  | Number |  | Outstanding |  | Outstanding |  |  |  | Number |  | Outstanding |  | Outstanding |  |  |
|  | of |  | Recorded |  | Recorded |  | Financial |  | of |  | Recorded |  | Recorded |  | Financial |
|  | Contracts |  | Investment |  | Investment (1) |  | Impact (2) |  | Contracts |  | Investment |  | Investment (1) |  | Impact (2) |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | $ | — |  | $ | — |  | 1 |  | $ | 965 |  | $ | 960 |  | $ | 207 |
Multifamily |  | 1 |  | $ | 1,093 |  | $ | 1,093 |  | $ | — |  | 6 |  | $ | 10,289 |  | $ | 10,162 |  | $ | 861 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 4 |  | $ | 23,167 |  | $ | 22,934 |  | $ | 102 |  | 1 |  | $ | 1,146 |  | $ | 1,144 |  | $ | — |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3 |  | $ | 1,204 |  | $ | 1,201 |  | $ | 86 |  | 5 |  | $ | 1,940 |  | $ | 1,931 |  | $ | 399 |
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | $ | — |  | $ | — |  | 1 |  | $ | 108 |  | $ | 108 |  | $ | — |
|  | Loans Modified as TDRs During the Six Months Ended June 30, |
|  | 2013 |  | 2012 |
|  |  |  | Pre-Modification |  | Post-Modification |  |  |  |  |  | Pre-Modification |  | Post-Modification |  |  |
|  | Number |  | Outstanding |  | Outstanding |  |  |  | Number |  | Outstanding |  | Outstanding |  |  |
|  | of |  | Recorded |  | Recorded |  | Financial |  | of |  | Recorded |  | Recorded |  | Financial |
|  | Contracts |  | Investment |  | Investment (1) |  | Impact (2) |  | Contracts |  | Investment |  | Investment (1) |  | Impact (2) |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | $ | — |  | $ | — |  | 2 |  | $ | 1,267 |  | $ | 1,165 |  | $ | 302 |
Multifamily |  | 1 |  | $ | 1,093 |  | $ | 1,093 |  | $ | — |  | 7 |  | $ | 10,687 |  | $ | 10,549 |  | $ | 861 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 4 |  | $ | 23,167 |  | $ | 22,934 |  | $ | 102 |  | 4 |  | $ | 4,465 |  | $ | 4,040 |  | $ | 469 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | 1 |  | $ | 432 |  | $ | 70 |  | $ | 76 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 4 |  | $ | 1,246 |  | $ | 1,241 |  | $ | 86 |  | 11 |  | $ | 4,465 |  | $ | 4,333 |  | $ | 689 |
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | 1 |  | $ | 651 |  | $ | 649 |  | $ | — |  | 1 |  | $ | 108 |  | $ | 108 |  | $ | — |
(1) Includes subsequent payments after modification and reflects the balance as of June 30, 2013 and June 30, 2012. (2) The financial impact includes charge-offs and specific reserves recorded at modification date.
Troubled debt restructurings that subsequently defaulted |
|  | Loans Modified as TDRs that Subsequently Defaulted |
|  | During the Three Months Ended June 30, |
|  | 2013 |  | 2012 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  | $ | 105 |  | — |  | $ | — |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | — |  | $ | — |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | — |  | $ | — |  | 1 |  | $ | 337 |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | — |  | $ | — |
|  | Loans Modified as TDRs that Subsequently Defaulted |
|  | During the Six Months Ended June 30, |
|  | 2013 |  | 2012 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | 3 |  | $ | 2,935 |  | — |  | $ | — |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | 1 |  | $ | 2,916 |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 2 |  | $ | 500 |  | 3 |  | $ | 793 |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | — |  | $ | — |
Summary of impaired non-covered loans, including interest income recognized |
|  |  |  |  |  |  |  |  |  |  |  | For the Three Months |  | For the Six Months |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  | Ended June 30, 2013 |  | Ended June 30, 2013 |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |  | Average |  | Interest |  | Average |  | Interest |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |  | Recorded |  | Income |  | Recorded |  | Income |
|  | Balance |  | Allowance |  | Allowance |  | Investment (2) |  | Allowance |  | Investment |  | Recognized (1) |  | Investment |  | Recognized (1) |
|  | (In thousands) |
As of and for the three and six months ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 11,931 |  | $ | 9,300 |  | $ | 1,814 |  | $ | 11,114 |  | $ | 304 |  | $ | 11,219 |  | $ | 66 |  | $ | 11,497 |  | $ | 126 |
Multifamily |  | 47,860 |  | 27,865 |  | 17,221 |  | 45,086 |  | 1,204 |  | 45,230 |  | 175 |  | 45,407 |  | 234 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 69,941 |  | 32,896 |  | 22,422 |  | 55,318 |  | 3,829 |  | 57,105 |  | 184 |  | 58,098 |  | 359 |
Construction |  | 6,888 |  | — |  | 6,888 |  | 6,888 |  | 375 |  | 6,888 |  | 25 |  | 6,888 |  | 25 |
Land |  | 18,295 |  | 5,204 |  | 7,971 |  | 13,175 |  | 3,727 |  | 13,231 |  | 16 |  | 13,285 |  | 31 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 35,946 |  | 11,233 |  | 10,992 |  | 22,225 |  | 3,210 |  | 23,448 |  | 134 |  | 24,200 |  | 236 |
Trade finance |  | 2,745 |  | 392 |  | 771 |  | 1,163 |  | 498 |  | 2,052 |  | 20 |  | 2,367 |  | 41 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Other consumer |  | 1,937 |  | 1,552 |  | — |  | 1,552 |  | — |  | 1,555 |  | 3 |  | 1,597 |  | 5 |
Total |  | $ | 195,543 |  | $ | 88,442 |  | $ | 68,079 |  | $ | 156,521 |  | $ | 13,147 |  | $ | 160,728 |  | $ | 623 |  | $ | 163,339 |  | $ | 1,057 |
|  |  |  |  |  |  |  |  |  |  |  | For the Year |  |  |  |  |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  | Ended December 31, 2012 |  |  |  |  |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |  | Average |  | Interest |  |  |  |  |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |  | Recorded |  | Income |  |  |  |  |
|  | Balance |  | Allowance |  | Allowance |  | Investment (2) |  | Allowance |  | Investment |  | Recognized (1) |  |  |  |  |
|  | (In thousands) |  |  |  |  |
As of and for the year ended December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 19,318 |  | $ | 15,610 |  | $ | 2,598 |  | $ | 18,208 |  | $ | 721 |  | $ | 19,094 |  | $ | 88 |  |  |  |  |
Multifamily |  | 57,464 |  | 45,511 |  | 8,756 |  | 54,267 |  | 2,410 |  | 54,707 |  | 403 |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 59,574 |  | 47,019 |  | 7,656 |  | 54,675 |  | 2,559 |  | 57,854 |  | 304 |  |  |  |  |
Construction |  | 30,815 |  | 25,530 |  | 1,509 |  | 27,039 |  | 142 |  | 22,696 |  | 723 |  |  |  |  |
Land |  | 20,317 |  | 6,132 |  | 8,995 |  | 15,127 |  | 2,860 |  | 17,769 |  | 76 |  |  |  |  |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 38,630 |  | 20,235 |  | 3,835 |  | 24,070 |  | 2,835 |  | 33,343 |  | 614 |  |  |  |  |
Trade finance |  | 4,124 |  | 2,582 |  | — |  | 2,582 |  | — |  | 3,863 |  | 48 |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  |  |  |
Other consumer |  | 4,798 |  | 4,528 |  | — |  | 4,528 |  | — |  | 4,631 |  | 13 |  |  |  |  |
Total |  | $ | 235,040 |  | $ | 167,147 |  | $ | 33,349 |  | $ | 200,496 |  | $ | 11,527 |  | $ | 213,957 |  | $ | 2,269 |  |  |  |  |
(1) Excludes interest from performing TDRs. (2) Excludes $31.1 million and $29.6 million of covered non-accrual loans at June 30, 2013 and December 31, 2012, respectively, accounted for under ASC 310-10, of which some loans have additional partial balances accounted for under ASC 310-30.
Detail of activity in allowance for loan losses, for both covered and non-covered loans, by portfolio segment |
|  |  |  |  |  |  |  |  |  | Covered Loans |  | Covered Loans |  |  |  |  |
|  |  |  |  |  |  |  |  |  | under ASC 310-10 |  | under ASC 310-30 |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  | Subject to |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  | Allowance for |  |  |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses (1) |  | Loan Losses |  | Unallocated |  | Total |
|  | (In thousands) |
Three Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 46,880 |  | $ | 72,958 |  | $ | 102,346 |  | $ | 6,612 |  | $ | 8,118 |  | $ | 1,992 |  | $ | — |  | $ | 238,906 |
Provision for loan losses |  | 704 |  | (426 | ) | 6,241 |  | 2,190 |  | 186 |  | 537 |  | (432 | ) | 9,000 |
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | — |  | — |  | 432 |  | 432 |
Charge-offs |  | (550 | ) | (762 | ) | (3,816 | ) | (865 | ) | (1,204 | ) | — |  | — |  | (7,197 | )
Recoveries |  | 303 |  | 1,060 |  | 605 |  | — |  | — |  | — |  | — |  | 1,968 |
Net charge-offs |  | (247 | ) | 298 |  | (3,211 | ) | (865 | ) | (1,204 | ) | — |  | — |  | (5,229 | )
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | 7,100 |  | $ | 2,529 |  | $ | — |  | $ | 243,109 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 1,508 |  | $ | 7,931 |  | $ | 3,708 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 13,147 |
Loans collectively evaluated for impairment |  | 45,829 |  | 64,899 |  | 101,668 |  | 7,937 |  | 7,100 |  | — |  | — |  | 227,433 |
Covered loans acquired with deteriorated credit quality(2) |  | — |  | — |  | — |  | — |  | — |  | 2,529 |  | — |  | 2,529 |
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | 7,100 |  | $ | 2,529 |  | $ | — |  | $ | 243,109 |
|  |  |  |  |  |  |  |  |  | Covered Loans |  | Covered Loans |  |  |  |  |
|  |  |  |  |  |  |  |  |  | under ASC 310-10 |  | under ASC 310-30 |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  | Subject to |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  | Allowance for |  |  |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses (1) |  | Loan Losses |  | Unallocated |  | Total |
|  | (In thousands) |
Six Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | 5,153 |  | $ | — |  | $ | — |  | $ | 234,535 |
Provision for loan losses |  | (2,222 | ) | 3,392 |  | 3,941 |  | 3,552 |  | 3,283 |  | 2,529 |  | (1,148 | ) | 13,327 |
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | — |  | — |  | 1,148 |  | 1,148 |
Charge-offs |  | (861 | ) | (1,767 | ) | (5,077 | ) | (1,211 | ) | (1,336 | ) | — |  | — |  | (10,252 | )
Recoveries |  | 1,071 |  | 1,349 |  | 1,136 |  | 795 |  | — |  | — |  | — |  | 4,351 |
Net charge-offs |  | 210 |  | (418 | ) | (3,941 | ) | (416 | ) | (1,336 | ) | — |  | — |  | (5,901 | )
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | 7,100 |  | $ | 2,529 |  | $ | — |  | $ | 243,109 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 1,508 |  | $ | 7,931 |  | $ | 3,708 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 13,147 |
Loans collectively evaluated for impairment |  | 45,829 |  | 64,899 |  | 101,668 |  | 7,937 |  | 7,100 |  | — |  | — |  | 227,433 |
Covered loans acquired with deteriorated credit quality(2) |  | — |  | — |  | — |  | — |  | — |  | 2,529 |  | — |  | 2,529 |
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | 7,100 |  | $ | 2,529 |  | $ | — |  | $ | 243,109 |
|  |  |  |  |  |  |  |  |  | Covered Loans |  | Covered Loans |  |  |  |  |
|  |  |  |  |  |  |  |  |  | under ASC 310-10 |  | under ASC 310-30 |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  | Subject to |  |  |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  | Allowance for |  |  |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses (1) |  | Loan Losses |  | Unallocated |  | Total |
|  | (In thousands) |
Year Ended December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 52,180 |  | $ | 66,457 |  | $ | 87,020 |  | $ | 4,219 |  | $ | 6,647 |  | $ | — |  | $ | — |  | $ | 216,523 |
Provision for loan losses |  | 3,255 |  | 20,977 |  | 35,204 |  | 2,295 |  | 5,016 |  | — |  | (1,563 | ) | 65,184 |
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | — |  | — |  | 1,563 |  | 1,563 |
Charge-offs |  | (7,700 | ) | (27,060 | ) | (21,818 | ) | (1,824 | ) | (6,510 | ) | — |  | — |  | (64,912 | )
Recoveries |  | 1,614 |  | 9,482 |  | 4,970 |  | 111 |  | — |  | — |  | — |  | 16,177 |
Net charge-offs |  | (6,086 | ) | (17,578 | ) | (16,848 | ) | (1,713 | ) | (6,510 | ) | — |  | — |  | (48,735 | )
Ending balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | 5,153 |  | $ | — |  | $ | — |  | $ | 234,535 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 3,131 |  | $ | 5,561 |  | $ | 2,835 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 11,527 |
Loans collectively evaluated for impairment |  | 46,218 |  | 64,295 |  | 102,541 |  | 4,801 |  | 5,153 |  | — |  | — |  | 223,008 |
Covered loans acquired with deteriorated credit quality(2) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Ending balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | 5,153 |  | $ | — |  | $ | — |  | $ | 234,535 |
(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 covered loans acquired in the FDIC-assisted acquisitions under ASC 310-30, excluding any additional advances subsequent to acquisition date.
Recorded investment in total loans receivable by portfolio segment, disaggregated by impairment methodology |
|  |  |  |  |  |  |  |  |  | Covered Loans |  | Covered Loans |  |  |
|  |  |  |  |  |  |  |  |  | under ASC 310-10 |  | under ASC 310-30 |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  | Subject to |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  | Allowance for |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses |  | Loan Losses |  | Total |
|  | (In thousands) |
June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 56,200 |  | $ | 75,381 |  | $ | 23,388 |  | $ | 1,552 |  | $ | — |  | $ | — |  | $ | 156,521 |
Covered loans individually evaluated for impairment (2) |  | — |  | — |  | — |  | — |  | 3,162 |  | — |  | 3,162 |
Loans collectively evaluated for impairment |  | 3,449,642 |  | 4,075,003 |  | 4,686,287 |  | 1,158,461 |  | 355,683 |  | — |  | 13,725,076 |
Covered loans acquired with deteriorated credit quality (1) |  | 816,300 |  | 1,360,107 |  | 168,387 |  | 47,637 |  | — |  | 157,497 |  | 2,549,928 |
Ending balance |  | $ | 4,322,142 |  | $ | 5,510,491 |  | $ | 4,878,062 |  | $ | 1,207,650 |  | $ | 358,845 |  | $ | 157,497 |  | $ | 16,434,687 |
|  |  |  |  |  |  |  |  |  | Covered Loans |  | Covered Loans |  |  |
|  |  |  |  |  |  |  |  |  | under ASC 310-10 |  | under ASC 310-30 |  |  |
|  |  |  |  |  |  |  |  |  | Subject to |  | Subject to |  |  |
|  |  |  |  |  |  |  |  |  | Allowance for |  | Allowance for |  |  |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Loan Losses |  | Loan Losses |  | Total |
|  | (In thousands) |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 72,475 |  | $ | 96,841 |  | $ | 26,652 |  | $ | 4,528 |  | $ | — |  | $ | — |  | $ | 200,496 |
Covered loans individually evaluated for impairment(2) |  | — |  | — |  | — |  | — |  | 5,237 |  | — |  | 5,237 |
Loans collectively evaluated for impairment |  | 3,015,556 |  | 3,797,854 |  | 4,204,613 |  | 740,354 |  | 426,448 |  | — |  | 12,184,825 |
Covered loans acquired with deteriorated credit quality (1) |  | 976,969 |  | 1,727,159 |  | 261,622 |  | 53,521 |  | — |  | — |  | 3,019,271 |
Ending balance |  | $ | 4,065,000 |  | $ | 5,621,854 |  | $ | 4,492,887 |  | $ | 798,403 |  | $ | 431,685 |  | $ | — |  | $ | 15,409,829 |
(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.
(2) | Excludes $31.1 million and $29.6 million of covered non-accrual loans at June 30, 2013 and December 31, 2012, respectively, accounted for under ASC 310-10, of which some loans have additional partial balances accounted for under ASC 310-30.

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