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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2013
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Summary of year-end loans receivable, excluding covered loans |
|  | December 31, |
|  | 2013 |  | 2012 |
|  | (In thousands) |
Residential: |  |  |  |  |  |
Single-family |  | $ | 3,192,875 |  |  | $ | 2,187,323 |
Multifamily |  | 992,434 |  |  | 900,708 |
Total residential |  | 4,185,309 |  |  | 3,088,031 |
Commercial Real Estate (“CRE”): |  |  |  |  |  |
Income producing |  | 4,301,030 |  |  | 3,644,035 |
Construction |  | 140,186 |  |  | 121,589 |
Land |  | 143,861 |  |  | 129,071 |
Total CRE |  | 4,585,077 |  |  | 3,894,695 |
Commercial and Industrial (“C&I”): |  |  |  |  |  |
Commercial business |  | 4,637,056 |  |  | 3,569,388 |
Trade finance |  | 723,137 |  |  | 661,877 |
Total C&I |  | 5,360,193 |  |  | 4,231,265 |
Consumer: |  |  |  |  |  |
Student loans |  | 679,220 |  |  | 475,799 |
Other consumer |  | 868,518 |  |  | 269,083 |
Total consumer |  | 1,547,738 |  |  | 744,882 |
Total gross loans receivable, excluding covered loans |  | 15,678,317 |  |  | 11,958,873 |
Unearned fees, premiums, and discounts, net |  | (23,672 | ) |  | (19,301 | )
Allowance for loan losses, excluding covered loans |  | (241,930 | ) |  | (229,382 | )
Loans receivable, excluding covered loans, net |  | $ | 15,412,715 |  |  | $ | 11,710,190 |
Summary of non-covered loans by credit quality |
|  |  |  | Special |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Total |
|  | (In thousands) |
December 31, 2013 |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,167,337 |  | $ | 8,331 |  | $ | 17,207 |  | $ | 3,192,875 |
Multifamily |  | 923,697 |  | 1,634 |  | 67,103 |  | 992,434 |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | 4,032,269 |  | 56,752 |  | 212,009 |  | 4,301,030 |
Construction |  | 127,138 |  | 6,160 |  | 6,888 |  | 140,186 |
Land |  | 116,000 |  | 9,304 |  | 18,557 |  | 143,861 |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 4,400,847 |  | 92,315 |  | 143,894 |  | 4,637,056 |
Trade finance |  | 681,345 |  | 22,099 |  | 19,693 |  | 723,137 |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | 677,094 |  | 445 |  | 1,681 |  | 679,220 |
Other consumer |  | 865,752 |  | 244 |  | 2,522 |  | 868,518 |
Total |  | $ | 14,991,479 |  | $ | 197,284 |  | $ | 489,554 |  | $ | 15,678,317 |
|  |  |  | Special |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | 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, past due non-covered loans and loans held for sale |
|  | Accruing |  | Accruing |  | Total |  | Nonaccrual |  | Nonaccrual |  | Total |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Nonaccrual |  | Current |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Past Due |  | Accruing |  |  |
|  | Past Due |  | Past Due |  | Loans |  | Past Due |  | Days Past Due |  | Loans |  | Loans |  | Total |
|  | (In thousands) |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 4,694 |  | $ | 922 |  | $ | 5,616 |  | $ | — |  | $ | 11,218 |  | $ | 11,218 |  | $ | 3,176,041 |  | $ | 3,192,875 |
Multifamily |  | 8,580 |  | 531 |  | 9,111 |  | 19,661 |  | 7,972 |  | 27,633 |  | 955,690 |  | 992,434 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 12,746 |  | 1,798 |  | 14,544 |  | 13,924 |  | 22,549 |  | 36,473 |  | 4,250,013 |  | 4,301,030 |
Construction |  | — |  | — |  | — |  | — |  | 6,888 |  | 6,888 |  | 133,298 |  | 140,186 |
Land |  | — |  | — |  | — |  | 265 |  | 3,223 |  | 3,488 |  | 140,373 |  | 143,861 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,428 |  | 6,259 |  | 9,687 |  | 6,437 |  | 15,486 |  | 21,923 |  | 4,605,446 |  | 4,637,056 |
Trade finance |  | — |  | — |  | — |  | — |  | 909 |  | 909 |  | 722,228 |  | 723,137 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 541 |  | 445 |  | 986 |  | — |  | 1,681 |  | 1,681 |  | 676,553 |  | 679,220 |
Other consumer |  | 293 |  | 1 |  | 294 |  | 175 |  | 1,263 |  | 1,438 |  | 866,786 |  | 868,518 |
Loans held for sale |  | — |  | — |  | — |  | — |  | — |  | — |  | 204,970 |  | 204,970 |
Total |  | $ | 30,282 |  | $ | 9,956 |  | $ | 40,238 |  | $ | 40,462 |  | $ | 71,189 |  | $ | 111,651 |  | $ | 15,731,398 |  | 15,883,287 |
Unearned fees, premiums and discounts, net |  | (23,672) |
Total recorded investment in non-covered loans and loans held for sale |  | $ | 15,859,615 |
|  | Accruing |  | Accruing |  | Total |  | Nonaccrual |  | Nonaccrual |  | Total |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Nonaccrual |  | Current |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Past Due |  | Accruing |  |  |
|  | 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 Year Ended December 31, |
|  | 2013 |  | 2012 |  | 2011 |
|  |  |  | (In thousands) |  |  |
Interest income that would have been recognized had nonaccrual loans performed in accordance with their original terms |  | $ | 7,410 |  | $ | 7,206 |  | $ | 9,384 |
Less: Interest income recognized on nonaccrual loans on a cash basis |  | (2,319) |  | (2,269) |  | (3,519) |
Interest income foregone on nonaccrual loans |  | $ | 5,091 |  | $ | 4,937 |  | $ | 5,865 |
Loans modified as troubled debt restructurings |
|  | Loans Modified as TDRs During the
|  | Year Ended December 31, 2013
|  |  |  | Pre-Modification |  | Post-Modification |  |  |
|  | Number |  | Outstanding |  | Outstanding |  |  |
|  | of |  | Recorded |  | Recorded |  | Financial
|  | Contracts |  | Investment |  | Investment (1) |  | Impact (2)
|  | (Dollars in thousands)
Residential: |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | $ | — |  | $ | —
Multifamily |  | 1 |  | $ | 1,093 |  | $ | 1,071 |  | $ | —
CRE: |  |  |  |  |  |  |  |
Income producing |  | 6 |  | $ | 26,021 |  | $ | 17,456 |  | $ | 219
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Land |  | — |  | $ | — |  | $ | — |  | $ | —
C&I: |  |  |  |  |  |  |  |
Commercial business |  | 6 |  | $ | 16,220 |  | $ | 15,624 |  | $ | 4,274
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | —
Consumer: |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | —
Other consumer |  | 1 |  | $ | 651 |  | $ | 639 |  | $ | —
|  | Loans Modified as TDRs During the
|  | Year Ended December 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 |  | 12 |  | $ | 6,227 |  | $ | 5,556 |  | $ | 938
Multifamily |  | 16 |  | $ | 28,736 |  | $ | 28,153 |  | $ | 3,344
CRE: |  |  |  |  |  |  |  |
Income producing |  | 8 |  | $ | 10,118 |  | $ | 8,162 |  | $ | 1,169
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Land |  | 3 |  | $ | 1,610 |  | $ | 1,059 |  | $ | 395
C&I: |  |  |  |  |  |  |  |
Commercial business |  | 14 |  | $ | 5,101 |  | $ | 4,374 |  | $ | 560
Trade finance |  | 2 |  | $ | 2,510 |  | $ | 579 |  | $ | 1,506
Consumer: |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | —
Other consumer |  | 1 |  | $ | 108 |  | $ | 108 |  | $ | —
(1) Includes subsequent payments after modification and reflects the balance as of December 31, 2013 and 2012. (2) The financial impact includes chargeoffs and specific reserves at modification date.
Troubled debt restructurings that have subsequently defaulted |
|  | Loans Modified as TDRs that Subsequently Defaulted
|  | During the Year Ended December 31,
|  | 2013 |  | 2012
|  | Number of |  | Recorded |  | Number of |  | Recorded
|  | Contracts |  | Investment |  | Contracts |  | Investment (1)
|  | (Dollars in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | 2 |  | $ | 2,830 |
Multifamily |  | — |  | $ | — |  | 1 |  | $ | 378 |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | 1 |  | $ | 271 |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 570 |  | 2 |  | $ | 33 |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | 1 |  | $ | 639 |  | — |  | $ | — |
(1) Included in the year ended December 31, 2012 table is $271 thousand of recorded investment which has been transferred to REO and is not included in the total loans receivable balance as of December 31, 2012.
Summary of impaired non-covered loans, including interest income recognized |
|  |  |  | Recorded |  | Recorded |  |  |  |  |  |  |  |  |
|  | 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, 2013 |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 15,814 |  | $ | 13,585 |  | $ | 1,588 |  | $ | 15,173 |  | $ | 207 |  | $ | 15,322 |  | $ | 222
Multifamily |  | 43,821 |  | 30,899 |  | 10,215 |  | 41,114 |  | 1,339 |  | 35,799 |  | 543
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 73,777 |  | 39,745 |  | 25,523 |  | 65,268 |  | 5,976 |  | 71,856 |  | 872
Construction |  | 6,888 |  | 6,888 |  | — |  | 6,888 |  | — |  | 6,888 |  | 61
Land |  | 17,390 |  | 4,372 |  | 7,908 |  | 12,280 |  | 2,082 |  | 12,453 |  | 42
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 48,482 |  | 10,850 |  | 27,487 |  | 38,337 |  | 13,787 |  | 38,294 |  | 520
Trade finance |  | 2,771 |  | 438 |  | 752 |  | 1,190 |  | 752 |  | 1,603 |  | 42
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 1,749 |  | 1,681 |  | — |  | 1,681 |  | — |  | 1,664 |  | 1
Other consumer |  | 1,945 |  | 1,546 |  | — |  | 1,546 |  | — |  | 1,561 |  | 16
Total |  | $ | 212,637 |  | $ | 110,004 |  | $ | 73,473 |  | $ | 183,477 |  | $ | 24,143 |  | $ | 185,440 |  | $ | 2,319
|  |  |  | Recorded |  | Recorded |  |  |  |  |  |  |  |
|  | 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 $17.7 million and $29.6 million of covered non-accrual loans at December 31, 2013 and 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)
Year Ended December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | 5,153 |  | $ | — |  | $ | — |  | $ | 234,535
Provision for loan losses |  | 1,918 |  | (6,615) |  | 12,821 |  | 8,055 |  | 1,759 |  | 2,269 |  | 2,157 |  | 22,364
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | — |  | — |  | (2,157) |  | (2,157)
Charge-offs |  | (3,197) |  | (3,357) |  | (7,405) |  | (2,385) |  | (1,436) |  | — |  | — |  | (17,780)
Recoveries |  | 2,647 |  | 4,793 |  | 4,392 |  | 881 |  | — |  | — |  | — |  | 12,713
Net (charge-offs)/recoveries |  | (550) |  | 1,436 |  | (3,013) |  | (1,504) |  | (1,436) |  | — |  | — |  | (5,067)
Ending balance |  | $ | 50,717 |  | $ | 64,677 |  | $ | 115,184 |  | $ | 11,352 |  | $ | 5,476 |  | $ | 2,269 |  | $ | — |  | $ | 249,675
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 1,546 |  | $ | 8,058 |  | $ | 14,539 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 24,143
Loans collectively evaluated for impairment |  | 49,171 |  | 56,619 |  | 100,645 |  | 11,352 |  | 5,476 |  | — |  | — |  | 223,263
Covered loans acquired with deteriorated credit quality (2) |  | — |  | — |  | — |  | — |  | — |  | 2,269 |  | — |  | 2,269
Ending balance |  | $ | 50,717 |  | $ | 64,677 |  | $ | 115,184 |  | $ | 11,352 |  | $ | 5,476 |  | $ | 2,269 |  | $ | — |  | $ | 249,675
|  |  |  |  |  |  |  |  |  | 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) |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 56,287 |  | $ | 84,436 |  | $ | 39,527 |  | $ | 3,227 |  | $ | — |  | $ | — |  | $ | 183,477 |
Covered loans individually evaluated for impairment(2) |  | — |  | — |  | — |  | — |  | 2,824 |  | — |  | 2,824 |
Loans collectively evaluated for impairment |  | 4,129,022 |  | 4,500,641 |  | 5,320,666 |  | 1,544,511 |  | 317,361 |  | — |  | 15,812,201 |
Covered loans acquired with deteriorated credit quality(1) |  | 681,608 |  | 1,140,432 |  | 146,538 |  | 43,136 |  | — |  | 129,661 |  | 2,141,375 |
Ending balance |  | $ | 4,866,917 |  | $ | 5,725,509 |  | $ | 5,506,731 |  | $ | 1,590,874 |  | $ | 320,185 |  | $ | 129,661 |  | $ | 18,139,877 |
|  |  |  |  |  |  |  |  |  | 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 $17.7 million and $29.6 million of covered non-accrual loans at December 31, 2013 and 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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