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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2014
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Schedule of composition of non-covered loans |
|  | September 30, |  | December 31, |
|  | 2014 |  | 2013 |
|  | (In thousands) |
Residential: |  |  |  |  |
Single-family |  | $ | 3,472,725 |  | $ | 3,192,875 |
Multifamily |  | 1,176,570 |  | 992,434 |
Total residential |  | 4,649,295 |  | 4,185,309 |
Commercial Real Estate (“CRE”): |  |  |  |  |
Income producing |  | 5,463,209 |  | 4,301,030 |
Construction |  | 287,341 |  | 140,186 |
Land |  | 198,800 |  | 143,861 |
Total CRE |  | 5,949,350 |  | 4,585,077 |
Commercial and Industrial (“C&I”): |  |  |  |  |
Commercial business |  | 6,539,640 |  | 4,637,056 |
Trade finance |  | 744,018 |  | 723,137 |
Total C&I |  | 7,283,658 |  | 5,360,193 |
Consumer: |  |  |  |  |
Student loans |  | 93,179 |  | 679,220 |
Other consumer |  | 1,376,074 |  | 868,518 |
Total consumer |  | 1,469,253 |  | 1,547,738 |
Total non-covered loans(1) |  | 19,351,556 |  | 15,678,317 |
Unearned fees, premiums, and discounts, net |  | (5,171 | ) | (23,672 | )
Allowance for loan losses on non-covered loans |  | (249,268 | ) | (241,930 | )
Non-covered loans, net |  | $ | 19,097,117 |  | $ | 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) |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 3,449,646 |  | $ | 5,169 |  | $ | 17,910 |  | $ | — |  | $ | 3,472,725 |
Multifamily |  | 1,114,395 |  | 5,149 |  | 57,026 |  | — |  | 1,176,570 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 5,186,262 |  | 72,725 |  | 203,445 |  | 777 |  | 5,463,209 |
Construction |  | 274,293 |  | 6,160 |  | 6,888 |  | — |  | 287,341 |
Land |  | 175,033 |  | 6,378 |  | 17,389 |  | — |  | 198,800 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,264,128 |  | 157,768 |  | 117,215 |  | 529 |  | 6,539,640 |
Trade finance |  | 707,963 |  | 19,999 |  | 16,056 |  | — |  | 744,018 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 88,786 |  | 1,048 |  | 3,345 |  | — |  | 93,179 |
Other consumer |  | 1,372,700 |  | 913 |  | 2,461 |  | — |  | 1,376,074 |
Total |  | $ | 18,633,206 |  | $ | 275,309 |  | $ | 441,735 |  | $ | 1,306 |  | $ | 19,351,556 |
|  |  |  | 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 |  |  |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Total |  | Current |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Nonaccrual |  | Accruing |  |  |
|  | Past Due |  | Past Due |  | Loans |  | Past Due |  | Days Past Due |  | Loans |  | Loans |  | Total |
|  | (In thousands) |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 5,916 |  | $ | 1,502 |  | $ | 7,418 |  | $ | 2,839 |  | $ | 7,899 |  | $ | 10,738 |  | $ | 3,454,569 |  | $ | 3,472,725 |
Multifamily |  | 6,166 |  | — |  | 6,166 |  | 12,110 |  | 12,690 |  | 24,800 |  | 1,145,604 |  | 1,176,570 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 14,900 |  | 11,044 |  | 25,944 |  | 27,719 |  | 21,058 |  | 48,777 |  | 5,388,488 |  | 5,463,209 |
Construction |  | — |  | — |  | — |  | — |  | 6,888 |  | 6,888 |  | 280,453 |  | 287,341 |
Land |  | 1,119 |  | — |  | 1,119 |  | 1,266 |  | 2,513 |  | 3,779 |  | 193,902 |  | 198,800 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 29,696 |  | 4,474 |  | 34,170 |  | 6,983 |  | 19,794 |  | 26,777 |  | 6,478,693 |  | 6,539,640 |
Trade finance |  | 750 |  | — |  | 750 |  | 111 |  | 32 |  | 143 |  | 743,125 |  | 744,018 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | 1,350 |  | 1,048 |  | 2,398 |  | — |  | 3,310 |  | 3,310 |  | 87,471 |  | 93,179 |
Other consumer |  | 2,576 |  | 549 |  | 3,125 |  | 118 |  | 390 |  | 508 |  | 1,372,441 |  | 1,376,074 |
Loans held for sale |  | — |  | — |  | — |  | — |  | — |  | — |  | 239,649 |  | 239,649 |
Total(1) |  | $ | 62,473 |  | $ | 18,617 |  | $ | 81,090 |  | $ | 51,146 |  | $ | 74,574 |  | $ | 125,720 |  | $ | 19,384,395 |  | 19,591,205 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  | (5,171 | )
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  |  | $ | 19,586,034 |
(1) Loans net of ASC 310-30 discount.
|  | Accruing |  | Accruing |  | Total |  | Nonaccrual |  | Nonaccrual |  |  |  |  |  |  |
|  | Loans |  | Loans |  | Accruing |  | Loans Less |  | Loans |  | Total |  | Current |  |  |
|  | 30-59 Days |  | 60-89 Days |  | Past Due |  | Than 90 Days |  | 90 or More |  | Nonaccrual |  | 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 the non-covered loan portfolio |
|  | Loans Modified as TDRs During the Three Months Ended September 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 |  | 2 |  | $ | 1,474 |  | $ | 1,473 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Multifamily |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | $ | — |  | $ | — |  | 1 |  | $ | 119 |  | $ | 117 |  | $ | 117 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 54 |  | $ | 54 |  | $ | 10 |  | 2 |  | $ | 14,311 |  | $ | 14,310 |  | $ | 4,255 |
Trade finance |  | 1 |  | $ | 190 |  | $ | 111 |  | $ | 14 |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | 1 |  | $ | 509 |  | $ | 504 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
|  | Loans Modified as TDRs During the Nine Months Ended September 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 |  | 9 |  | $ | 11,454 |  | $ | 8,356 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Multifamily |  | 1 |  | $ | 2,513 |  | $ | 2,832 |  | $ | — |  | 1 |  | $ | 1,093 |  | $ | 1,082 |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 2 |  | $ | 5,318 |  | $ | 5,193 |  | $ | — |  | 5 |  | $ | 23,286 |  | $ | 18,722 |  | $ | 219 |
Construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Land |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 8 |  | $ | 2,940 |  | $ | 2,167 |  | $ | 1,821 |  | 6 |  | $ | 15,556 |  | $ | 15,518 |  | $ | 4,341 |
Trade finance |  | 1 |  | $ | 190 |  | $ | 111 |  | $ | 14 |  | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | — |
Other consumer |  | 1 |  | $ | 509 |  | $ | 504 |  | $ | — |  | 1 |  | $ | 651 |  | $ | 644 |  | $ | — |
(1) Includes subsequent payments after modification and reflects the balance as of September 30, 2014 and September 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 September 30, |
|  | 2014 |  | 2013 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | — |  | $ | — |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | — |  | $ | — |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 967 |  | — |  | $ | — |
Trade finance |  | — |  | $ | — |  | — |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Student loans |  | — |  | $ | — |  | — |  | $ | — |
Other consumer |  | — |  | $ | — |  | — |  | $ | — |
|  | Loans Modified as TDRs that Subsequently Defaulted |
|  | During the Nine Months Ended September 30, |
|  | 2014 |  | 2013 |
|  | Number of |  | Recorded |  | Number of |  | Recorded |
|  | Contracts |  | Investment |  | Contracts |  | Investment |
|  | ($ in thousands) |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | — |  | $ | — |  | 2 |  | $ | 2,830 |
Multifamily |  | — |  | $ | — |  | — |  | $ | — |
CRE: |  |  |  |  |  |  |  |  |
Income producing |  | — |  | $ | — |  | — |  | $ | — |
Construction |  | — |  | $ | — |  | — |  | $ | — |
Land |  | — |  | $ | — |  | — |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 967 |  | 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 September 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Residential: |  |  |  |  |  |  |  |  |  |  |
Single-family |  | $ | 20,954 |  | $ | 12,697 |  | $ | 6,911 |  | $ | 19,608 |  | $ | 413 |
Multifamily |  | 37,873 |  | 20,610 |  | 14,899 |  | 35,509 |  | 1,467 |
CRE: |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 70,152 |  | 45,456 |  | 16,496 |  | 61,952 |  | 2,349 |
Construction |  | 6,888 |  | 6,888 |  | — |  | 6,888 |  | — |
Land |  | 13,334 |  | 2,860 |  | 5,649 |  | 8,509 |  | 1,931 |
C&I: |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 50,191 |  | 7,909 |  | 34,713 |  | 42,622 |  | 20,750 |
Trade finance |  | 368 |  | — |  | 363 |  | 363 |  | 47 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 1,261 |  | 1,153 |  | 108 |  | 1,261 |  | 1 |
Total |  | $ | 201,021 |  | $ | 97,573 |  | $ | 79,139 |  | $ | 176,712 |  | $ | 26,958 |
|  |  |  | 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 $9.2 million and $17.7 million of covered non-accrual loans at September 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 |  | Nine Months Ended |
|  | September 30, |  | September 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 |  | $ | 19,668 |  | $ | 87 |  | $ | 13,131 |  | $ | 37 |  | $ | 19,372 |  | $ | 263 |  | $ | 13,464 |  | $ | 117 |
Multifamily |  | 35,547 |  | 177 |  | 43,452 |  | 224 |  | 35,610 |  | 529 |  | 43,465 |  | 680 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 62,973 |  | 273 |  | 64,130 |  | 406 |  | 64,820 |  | 940 |  | 68,336 |  | 2,113 |
Construction |  | 6,888 |  | — |  | 6,888 |  | — |  | 6,888 |  | — |  | 6,888 |  | — |
Land |  | 8,581 |  | 75 |  | 12,943 |  | 124 |  | 8,676 |  | 224 |  | 13,049 |  | 371 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 42,832 |  | 207 |  | 38,604 |  | 200 |  | 42,403 |  | 619 |  | 42,612 |  | 564 |
Trade finance |  | 363 |  | 4 |  | 1,088 |  | 4 |  | 383 |  | 12 |  | 2,029 |  | 8 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  | — |  | 1,076 |  | — |  | — |  | — |  | 869 |  | — |
Other consumer |  | 1,264 |  | 12 |  | 1,516 |  | 7 |  | 1,259 |  | 35 |  | 1,553 |  | 21 |
Total impaired loans (excluding PCI) |  | $ | 178,116 |  | $ | 835 |  | $ | 182,828 |  | $ | 1,002 |  | $ | 179,411 |  | $ | 2,622 |  | $ | 192,265 |  | $ | 3,874 |
(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) |
September 30, 2014 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 55,117 |  | $ | 77,349 |  | $ | 42,985 |  | $ | 1,261 |  | $ | 176,712 |
Collectively evaluated for impairment |  | 4,592,862 |  | 5,819,505 |  | 7,238,997 |  | 1,467,992 |  | 19,119,356 |
Acquired with deteriorated credit quality |  | 1,316 |  | 52,496 |  | 1,676 |  | — |  | 55,488 |
Ending balance |  | $ | 4,649,295 |  | $ | 5,949,350 |  | $ | 7,283,658 |  | $ | 1,469,253 |  | $ | 19,351,556 |
|  | 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 |  | Nine Months Ended |
|  | September 30, 2014 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 5,767 |  | $ | — |
Additions |  | — |  | 6,745 |
Accretion |  | (1,228 | ) | (3,493 | )
Changes in expected cash flows |  | 669 |  | 1,956 |
Balance at end of period |  | $ | 5,208 |  | $ | 5,208 |
Non-covered loans |
Allowance for loan losses disclosures |
Summary of the activity in the allowance for loan losses on non-covered loans |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Three Months Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 45,783 |  | $ | 60,600 |  | $ | 128,479 |  | $ | 11,606 |  | $ | — |  | $ | 246,468 |
(Reversal of) provision for loan losses |  | (835 | ) | (16 | ) | 8,406 |  | 624 |  | (623 | ) | 7,556 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | 623 |  | 623 |
Charge-offs |  | (8 | ) | (1,522 | ) | (6,693 | ) | (134 | ) | — |  | (8,357 | )
Recoveries |  | 95 |  | 259 |  | 2,621 |  | 3 |  | — |  | 2,978 |
Net recoveries/(charge-offs) |  | 87 |  | (1,263 | ) | (4,072 | ) | (131 | ) | — |  | (5,379 | )
Ending balance |  | $ | 45,035 |  | $ | 59,321 |  | $ | 132,813 |  | $ | 12,099 |  | $ | — |  | $ | 249,268 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,880 |  | $ | 4,280 |  | $ | 20,797 |  | $ | 1 |  | $ | — |  | $ | 26,958 |
Collectively evaluated for impairment |  | 43,155 |  | 54,751 |  | 112,016 |  | 12,098 |  | — |  | 222,020 |
Acquired with deteriorated credit quality |  | — |  | 290 |  | — |  | — |  | — |  | 290 |
Ending balance |  | $ | 45,035 |  | $ | 59,321 |  | $ | 132,813 |  | $ | 12,099 |  | $ | — |  | $ | 249,268 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Three Months Ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 47,337 |  | $ | 72,830 |  | $ | 105,376 |  | $ | 7,937 |  | $ | — |  | $ | 233,480 |
Provision for (reversal of) loan losses |  | 3,402 |  | (3,169 | ) | (594 | ) | 1,451 |  | 3,445 |  | 4,535 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (3,445 | ) | (3,445 | )
Charge-offs |  | (432 | ) | (574 | ) | (1,387 | ) | (6 | ) | — |  | (2,399 | )
Recoveries |  | 469 |  | 270 |  | 1,243 |  | 83 |  | — |  | 2,065 |
Net recoveries/(charge-offs) |  | 37 |  | (304 | ) | (144 | ) | 77 |  | — |  | (334 | )
Ending balance |  | $ | 50,776 |  | $ | 69,357 |  | $ | 104,638 |  | $ | 9,465 |  | $ | — |  | $ | 234,236 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 809 |  | $ | 6,045 |  | $ | 10,439 |  | $ | — |  | $ | — |  | $ | 17,293 |
Collectively evaluated for impairment |  | 49,967 |  | 63,312 |  | 94,199 |  | 9,465 |  | — |  | 216,943 |
Ending balance |  | $ | 50,776 |  | $ | 69,357 |  | $ | 104,638 |  | $ | 9,465 |  | $ | — |  | $ | 234,236 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Nine Months Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 50,717 |  | $ | 64,677 |  | $ | 115,184 |  | $ | 11,352 |  | $ | — |  | $ | 241,930 |
(Reversal of) provision for loan losses |  | (5,625 | ) | (3,839 | ) | 32,621 |  | 876 |  | 421 |  | 24,454 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (421 | ) | (421 | )
Charge-offs |  | (351 | ) | (3,156 | )(1) | (18,917 | ) | (139 | ) | — |  | (22,563 | )
Recoveries |  | 294 |  | 1,639 |  | 3,925 |  | 10 |  | — |  | 5,868 |
Net charge-offs |  | (57 | ) | (1,517 | ) | (14,992 | ) | (129 | ) | — |  | (16,695 | )
Ending balance |  | $ | 45,035 |  | $ | 59,321 |  | $ | 132,813 |  | $ | 12,099 |  | $ | — |  | $ | 249,268 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,880 |  | $ | 4,280 |  | $ | 20,797 |  | $ | 1 |  | $ | — |  | $ | 26,958 |
Collectively evaluated for impairment |  | 43,155 |  | 54,751 |  | 112,016 |  | 12,098 |  | — |  | 222,020 |
Acquired with deteriorated credit quality |  | — |  | 290 |  | — |  | — |  | — |  | 290 |
Ending balance |  | $ | 45,035 |  | $ | 59,321 |  | $ | 132,813 |  | $ | 12,099 |  | $ | — |  | $ | 249,268 |
|  | Residential |  | CRE |  | C&I |  | Consumer |  | Unallocated |  | Total |
|  | (In thousands) |
Nine Months Ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,349 |  | $ | 69,856 |  | $ | 105,376 |  | $ | 4,801 |  | $ | — |  | $ | 229,382 |
Provision for loan losses |  | 1,180 |  | 223 |  | 3,347 |  | 5,003 |  | 2,297 |  | 12,050 |
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (2,297 | ) | (2,297 | )
Charge-offs |  | (1,293 | ) | (2,341 | ) | (6,464 | ) | (1,217 | ) | — |  | (11,315 | )
Recoveries |  | 1,540 |  | 1,619 |  | 2,379 |  | 878 |  | — |  | 6,416 |
Net recoveries/(charge-offs) |  | 247 |  | (722 | ) | (4,085 | ) | (339 | ) | — |  | (4,899 | )
Ending balance |  | $ | 50,776 |  | $ | 69,357 |  | $ | 104,638 |  | $ | 9,465 |  | $ | — |  | $ | 234,236 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 809 |  | $ | 6,045 |  | $ | 10,439 |  | $ | — |  | $ | — |  | $ | 17,293 |
Collectively evaluated for impairment |  | 49,967 |  | 63,312 |  | 94,199 |  | 9,465 |  | — |  | 216,943 |
Ending balance |  | $ | 50,776 |  | $ | 69,357 |  | $ | 104,638 |  | $ | 9,465 |  | $ | — |  | $ | 234,236 |
(1) Includes charge-off of $523 thousand relating to PCI loans acquired from MetroCorp.

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