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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2014
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Schedule of composition of loans receivable, excluding covered loans |
|  | June 30, |  | December 31, |
|  | 2014 |  | 2013 |
|  | (In thousands) |
Residential: |  |  |  |  |
Single-family |  | $ | 3,316,581 |  | $ | 3,192,875 |
Multifamily |  | 1,133,146 |  | 992,434 |
Total residential |  | 4,449,727 |  | 4,185,309 |
Commercial Real Estate (“CRE”): |  |  |  |  |
Income producing |  | 5,358,710 |  | 4,301,030 |
Construction |  | 233,105 |  | 140,186 |
Land |  | 206,488 |  | 143,861 |
Total CRE |  | 5,798,303 |  | 4,585,077 |
Commercial and Industrial (“C&I”): |  |  |  |  |
Commercial business |  | 5,956,607 |  | 4,637,056 |
Trade finance |  | 716,696 |  | 723,137 |
Total C&I |  | 6,673,303 |  | 5,360,193 |
Consumer: |  |  |  |  |
Student loans |  | 139,736 |  | 679,220 |
Other consumer |  | 1,216,699 |  | 868,518 |
Total consumer |  | 1,356,435 |  | 1,547,738 |
Total loans receivable, excluding covered loans (1) |  | 18,277,768 |  | 15,678,317 |
Unearned fees, premiums, and discounts, net |  | (5,589 | ) | (23,672 | )
Allowance for loan losses, excluding covered loans |  | (246,468 | ) | (241,930 | )
Loans receivable, excluding covered loans, net |  | $ | 18,025,711 |  | $ | 15,412,715 |
(1) Loans net of ASC 310-30 discount.
Summary of credit risk rating categories for the non-covered loans |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total |
|  | (In thousands) |
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,297,111 |  | $ | 7,708 |  | $ | 11,762 |  | $ | — |  | $ | 3,316,581 |
Multifamily |  | 1,075,296 |  | — |  | 57,850 |  | — |  | 1,133,146 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 5,056,988 |  | 74,904 |  | 225,774 |  | 1,044 |  | 5,358,710 |
Construction |  | 220,057 |  | 6,160 |  | 6,888 |  | — |  | 233,105 |
Land |  | 178,005 |  | 6,438 |  | 22,045 |  | — |  | 206,488 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 5,627,827 |  | 101,399 |  | 226,993 |  | 388 |  | 5,956,607 |
Trade finance |  | 650,525 |  | 53,821 |  | 12,350 |  | — |  | 716,696 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 136,553 |  | 643 |  | 2,540 |  | — |  | 139,736 |
Other consumer |  | 1,213,739 |  | 368 |  | 2,592 |  | — |  | 1,216,699 |
Total |  | $ | 17,456,101 |  | $ | 251,441 |  | $ | 568,794 |  | $ | 1,432 |  | $ | 18,277,768 |
|  |  |  | Special |  |  |  |  |  |  |
|  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | 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 |
Aging analysis of the Company's 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) |
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 8,223 |  | $ | 743 |  | $ | 8,966 |  | $ | 2,844 |  | $ | 5,637 |  | $ | 8,481 |  | $ | 3,299,134 |  | $ | 3,316,581 |
Multifamily |  | 4,514 |  | 932 |  | 5,446 |  | 14,385 |  | 11,113 |  | 25,498 |  | 1,102,202 |  | 1,133,146 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 18,072 |  | 7,619 |  | 25,691 |  | 31,025 |  | 12,121 |  | 43,146 |  | 5,289,873 |  | 5,358,710 |
Construction |  | — |  | — |  | — |  | — |  | 6,888 |  | 6,888 |  | 226,217 |  | 233,105 |
Land |  | 2,125 |  | 96 |  | 2,221 |  | 1,467 |  | 5,970 |  | 7,437 |  | 196,830 |  | 206,488 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,047 |  | 4,590 |  | 7,637 |  | 7,600 |  | 16,151 |  | 23,751 |  | 5,925,219 |  | 5,956,607 |
Trade finance |  | — |  | — |  | — |  | — |  | 222 |  | 222 |  | 716,474 |  | 716,696 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 599 |  | 643 |  | 1,242 |  | — |  | 2,540 |  | 2,540 |  | 135,954 |  | 139,736 |
Other consumer |  | 1,798 |  | 11 |  | 1,809 |  | 2 |  | 957 |  | 959 |  | 1,213,931 |  | 1,216,699 |
Loans held for sale |  | — |  | — |  | — |  | — |  | — |  | — |  | 450,864 |  | 450,864 |
Total (1) |  | $ | 38,378 |  | $ | 14,634 |  | $ | 53,012 |  | $ | 57,323 |  | $ | 61,599 |  | $ | 118,922 |  | $ | 18,556,698 |  | 18,728,632 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  | (5,589 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  |  | $ | 18,723,043 |
(1) Loans net of ASC 310-30 discount.
|  | 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 |
Summary of new troubled debt restructurings modifications on non-covered loans portfolio |
|  | Loans Modified as TDRs During the Three Months Ended June 30, |
|  | 2014 |  | 2013 |
|  |  |  | 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) |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  | $ | 1,032 |  | $ | 1,030 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Multifamily |  | 1 |  | $ | 2,513 |  | $ | 2,973 |  | $ | — |  | 1 |  | $ | 1,093 |  | $ | 1,093 |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 2 |  | $ | 5,318 |  | $ | 5,254 |  | $ | — |  | 4 |  | $ | 23,167 |  | $ | 22,934 |  | $ | 102 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 2 |  | $ | 1,165 |  | $ | 1,155 |  | $ | 563 |  | 3 |  | $ | 1,204 |  | $ | 1,201 |  | $ | 86 |
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
|  | Loans Modified as TDRs During the Six Months Ended June 30, |
|  | 2014 |  | 2013 |
|  |  |  | 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) |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 4 |  | $ | 6,855 |  | $ | 5,105 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Multifamily |  | 1 |  | $ | 2,513 |  | $ | 2,973 |  | $ | — |  | 1 |  | $ | 1,093 |  | $ | 1,093 |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 2 |  | $ | 5,318 |  | $ | 5,254 |  | $ | — |  | 4 |  | $ | 23,167 |  | $ | 22,934 |  | $ | 102 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 7 |  | $ | 2,886 |  | $ | 2,828 |  | $ | 1,811 |  | 4 |  | $ | 1,246 |  | $ | 1,241 |  | $ | 86 |
Trade finance |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | $ | — |  | $ | — |  | 1 |  | $ | 651 |  | $ | 649 |  | $ | — |
(1) Includes subsequent payments after modification and reflects the balance as of June 30, 2014 and June 30, 2013. (2) The financial impact includes charge-offs and specific reserves recorded at modification date.
Troubled debt restructurings that have subsequently defaulted |
|  | Loans Modified as TDRs that Subsequently Defaulted |
|  | During the Three Months Ended June 30, |
|  | 2014 |  | 2013 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | 1 |  | $ | 105 |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | — |  | $ | — |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 500 |  | — |  | $ | — |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | — |  | $ | — |
|  | Loans Modified as TDRs that Subsequently Defaulted |
|  | During the Six Months Ended June 30, |
|  | 2014 |  | 2013 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | 3 |  | $ | 2,935 |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | 1 |  | $ | 2,730 |  | — |  | $ | — |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 500 |  | 2 |  | $ | 500 |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | — |  | $ | — |
Summary of impaired non-covered loans |
|  |  |  | Recorded |  | Recorded |  |  |  |  |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |
|  | Balance |  | Allowance |  | Allowance |  | Investment (1) |  | Allowance |
|  | (In thousands) |
As of June 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 16,220 |  | $ | 13,427 |  | $ | 1,067 |  | $ | 14,494 |  | $ | 192 |
Multifamily |  | 39,108 |  | 27,617 |  | 9,139 |  | 36,756 |  | 1,185 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 65,663 |  | 39,638 |  | 18,135 |  | 57,773 |  | 2,555 |
Construction |  | 6,888 |  | 6,888 |  | — |  | 6,888 |  | — |
Land |  | 17,059 |  | 4,217 |  | 7,865 |  | 12,082 |  | 1,991 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 54,236 |  | 10,497 |  | 29,182 |  | 39,679 |  | 18,645 |
Trade finance |  | 529 |  | 256 |  | 273 |  | 529 |  | 273 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 763 |  | 763 |  | — |  | 763 |  | — |
Total |  | $ | 200,466 |  | $ | 103,303 |  | $ | 65,661 |  | $ | 168,964 |  | $ | 24,841 |
|  |  |  | Recorded |  | Recorded |  |  |  |  |
|  | Unpaid |  | Investment |  | Investment |  | Total |  |  |
|  | Principal |  | With No |  | With |  | Recorded |  | Related |
|  | Balance |  | Allowance |  | Allowance |  | Investment (1) |  | Allowance |
|  | (In thousands) |
As of December 31, 2013 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 15,814 |  | $ | 13,585 |  | $ | 1,588 |  | $ | 15,173 |  | $ | 207 |
Multifamily |  | 43,821 |  | 30,899 |  | 10,215 |  | 41,114 |  | 1,339 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 73,777 |  | 39,745 |  | 25,523 |  | 65,268 |  | 5,976 |
Construction |  | 6,888 |  | 6,888 |  | — |  | 6,888 |  | — |
Land |  | 17,390 |  | 4,372 |  | 7,908 |  | 12,280 |  | 2,082 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 48,482 |  | 10,850 |  | 27,487 |  | 38,337 |  | 13,787 |
Trade finance |  | 2,771 |  | 438 |  | 752 |  | 1,190 |  | 752 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 1,749 |  | 1,681 |  | — |  | 1,681 |  | — |
Other consumer |  | 1,945 |  | 1,546 |  | — |  | 1,546 |  | — |
Total |  | $ | 212,637 |  | $ | 110,004 |  | $ | 73,473 |  | $ | 183,477 |  | $ | 24,143 |
(1) Excludes $14.3 million and $17.7 million of covered non-accrual loans at June 30, 2014 and December 31, 2013, respectively, accounted for under ASC 310-10, of which some loans have additional partial balances accounted for under ASC 310-30.
Schedule of average recorded investment in impaired loans and the amount of interest income recognized on impaired loans by portfolio segment |
|  | Three Months Ended |  | Six Months Ended |
|  | June 30, |  | June 30, |
|  | 2014 |  | 2013 |  | 2014 |  | 2013 |
|  | Average recorded investment |  | Recognized interest income (1) |  | Average recorded investment |  | Recognized interest income (1) |  | Average recorded investment |  | Recognized interest income (1) |  | Average recorded investment |  | Recognized interest income (1) |
|  | (In thousands) |  | (In thousands) |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 15,131 |  | $ | 65 |  | $ | 11,219 |  | $ | 38 |  | $ | 14,034 |  | $ | 115 |  | $ | 11,497 |  | $ | 77 |
Multifamily |  | 36,683 |  | 184 |  | 45,230 |  | 247 |  | 36,817 |  | 360 |  | 45,407 |  | 456 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 59,121 |  | 303 |  | 57,105 |  | 1,529 |  | 59,917 |  | 627 |  | 58,098 |  | 1,738 |
Construction |  | 6,888 |  | — |  | 6,888 |  | — |  | 6,888 |  | — |  | 6,888 |  | — |
Land |  | 12,128 |  | 75 |  | 13,231 |  | 124 |  | 12,179 |  | 149 |  | 13,285 |  | 247 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 41,592 |  | 211 |  | 23,448 |  | 59 |  | 42,682 |  | 414 |  | 24,200 |  | 104 |
Trade finance |  | 546 |  | 4 |  | 2,052 |  | 4 |  | 559 |  | 8 |  | 2,367 |  | 7 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 755 |  | 13 |  | 1,555 |  | 7 |  | 752 |  | 14 |  | 1,597 |  | 14 |
Total impaired loans (excluding PCI) |  | $ | 172,844 |  | $ | 855 |  | $ | 160,728 |  | $ | 2,008 |  | $ | 173,828 |  | $ | 1,687 |  | $ | 163,339 |  | $ | 2,643 |
(1) Includes interest recognized on accruing TDRs. Interest payments received on nonaccrual loans are generally reflected as a reduction of principal and not as interest income.
Allowance for loan losses disclosures |
Recorded investments in total non-covered loans receivable by portfolio segment, disaggregated by impairment methodology |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Total |
|  | (In thousands) |
June 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 51,250 |  | $ | 76,743 |  | $ | 40,208 |  | $ | 763 |  | $ | 168,964 |
Collectively evaluated for impairment |  | 4,397,218 |  | 5,665,843 |  | 6,631,178 |  | 1,355,672 |  | 18,049,911 |
Acquired with deteriorated credit quality |  | 1,259 |  | 55,717 |  | 1,917 |  | — |  | 58,893 |
Ending balance |  | $ | 4,449,727 |  | $ | 5,798,303 |  | $ | 6,673,303 |  | $ | 1,356,435 |  | $ | 18,277,768 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Total |
|  | (In thousands) |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 56,287 |  | $ | 84,436 |  | $ | 39,527 |  | $ | 3,227 |  | $ | 183,477 |
Collectively evaluated for impairment |  | 4,129,022 |  | 4,500,641 |  | 5,320,666 |  | 1,544,511 |  | 15,494,840 |
Ending balance |  | $ | 4,185,309 |  | $ | 4,585,077 |  | $ | 5,360,193 |  | $ | 1,547,738 |  | $ | 15,678,317 |
Summary of the changes in the accretable yield for the PCI loans acquired from MetroCorp |
|  | Three Months Ended |  | Six Months Ended |
|  | June 30, 2014 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 6,452 |  | $ | — |
Additions |  | — |  | 6,745 |
Accretion |  | (1,509 | ) | (2,265 | )
Changes in expected cash flows |  | 824 |  | 1,287 |
Balance at end of period |  | $ | 5,767 |  | $ | 5,767 |
Non-covered loans |
Allowance for loan losses disclosures |
Summary of the activity in the allowance for loan losses on the non-covered loans |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Three Months Ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 47,827 |  | $ | 62,739 |  | $ | 124,201 |  | $ | 10,851 |  | $ | — |  | $ | 245,618 |
Provision for loan losses |  | (2,046 | ) | (1,376 | ) | 10,784 |  | 753 |  | 829 |  | 8,944 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (829 | ) | (829 | )
Charge-offs |  | (61 | ) | (1,314 | )(1) | (6,899 | ) | (2 | ) | — |  | (8,276 | )
Recoveries |  | 63 |  | 551 |  | 393 |  | 4 |  | — |  | 1,011 |
Net recoveries/(charge-offs) |  | 2 |  | (763 | ) | (6,506 | ) | 2 |  | — |  | (7,265 | )
Ending balance |  | $ | 45,783 |  | $ | 60,600 |  | $ | 128,479 |  | $ | 11,606 |  | $ | — |  | $ | 246,468 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,377 |  | $ | 4,546 |  | $ | 18,918 |  | $ | — |  | $ | — |  | $ | 24,841 |
Collectively evaluated for impairment |  | 44,406 |  | 55,684 |  | 109,561 |  | 11,606 |  |  |  | 221,257 |
Acquired with deteriorated credit quality |  | — |  | 370 |  | — |  | — |  | — |  | 370 |
Ending balance |  | $ | 45,783 |  | $ | 60,600 |  | $ | 128,479 |  | $ | 11,606 |  | $ | — |  | $ | 246,468 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Three Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 46,880 |  | $ | 72,958 |  | $ | 102,346 |  | $ | 6,612 |  | $ | — |  | $ | 228,796 |
Provision for loan losses |  | 704 |  | (426 | ) | 6,241 |  | 2,190 |  | (432 | ) | 8,277 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | 432 |  | 432 |
Charge-offs |  | (550 | ) | (762 | ) | (3,816 | ) | (865 | ) | — |  | (5,993 | )
Recoveries |  | 303 |  | 1,060 |  | 605 |  | — |  | — |  | 1,968 |
Net (charge-offs)/recoveries |  | (247 | ) | 298 |  | (3,211 | ) | (865 | ) | — |  | (4,025 | )
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | — |  | $ | 233,480 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,508 |  | $ | 7,931 |  | $ | 3,708 |  | $ | — |  | $ | — |  | $ | 13,147 |
Collectively evaluated for impairment |  | 45,829 |  | 64,899 |  | 101,668 |  | 7,937 |  | — |  | 220,333 |
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | — |  | $ | 233,480 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Six Months Ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 50,717 |  | $ | 64,677 |  | $ | 115,184 |  | $ | 11,352 |  | $ | — |  | $ | 241,930 |
Provision for loan losses |  | (4,790 | ) | (3,823 | ) | 24,215 |  | 252 |  | 1,044 |  | 16,898 |
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (1,044 | ) | (1,044 | )
Charge-offs |  | (343 | ) | (1,634 | )(1) | (12,224 | ) | (5 | ) | — |  | (14,206 | )
Recoveries |  | 199 |  | 1,380 |  | 1,304 |  | 7 |  | — |  | 2,890 |
Net (charge-offs)/recoveries |  | (144 | ) | (254 | ) | (10,920 | ) | 2 |  | — |  | (11,316 | )
Ending balance |  | $ | 45,783 |  | $ | 60,600 |  | $ | 128,479 |  | $ | 11,606 |  | $ | — |  | $ | 246,468 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,377 |  | $ | 4,546 |  | $ | 18,918 |  | $ | — |  | $ | — |  | $ | 24,841 |
Collectively evaluated for impairment |  | 44,406 |  | 55,684 |  | 109,561 |  | 11,606 |  | — |  | 221,257 |
Acquired with deteriorated credit quality |  | — |  | 370 |  | — |  | — |  | — |  | 370 |
Ending balance |  | $ | 45,783 |  | $ | 60,600 |  | $ | 128,479 |  | $ | 11,606 |  | $ | — |  | $ | 246,468 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Six Months Ended June 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | — |  | $ | 229,382 |
Provision for loan losses |  | (2,222 | ) | 3,392 |  | 3,941 |  | 3,552 |  | (1,148 | ) | 7,515 |
Allowance for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | 1,148 |  | 1,148 |
Charge-offs |  | (861 | ) | (1,767 | ) | (5,077 | ) | (1,211 | ) | — |  | (8,916 | )
Recoveries |  | 1,071 |  | 1,349 |  | 1,136 |  | 795 |  | — |  | 4,351 |
Net recoveries/(charge-offs) |  | 210 |  | (418 | ) | (3,941 | ) | (416 | ) | — |  | (4,565 | )
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | — |  | $ | 233,480 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,508 |  | $ | 7,931 |  | $ | 3,708 |  | $ | — |  | $ | — |  | $ | 13,147 |
Collectively evaluated for impairment |  | 45,829 |  | 64,899 |  | 101,668 |  | 7,937 |  | — |  | 220,333 |
Ending balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | — |  | $ | 233,480 |
(1) Includes charge-off of $523 thousand relating to PCI loans acquired from MetroCorp.

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