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NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2014
NON-COVERED LOANS AND ALLOWANCE FOR LOAN LOSSES |
Schedule of composition of non-covered loans |
|  | December 31, 2014 |  | December 31, 2013
|  | (In thousands)
CRE: |  |  |  |  |  |
Income producing |  | $ | 5,611,485 |  |  | $ | 4,301,030 |
Construction |  | 313,811 |  |  | 140,186 |
Land |  | 208,750 |  |  | 143,861 |
Total CRE |  | 6,134,046 |  |  | 4,585,077 |
C&I: |  |  |  |  |  |
Commercial business |  | 7,031,350 |  |  | 4,637,056 |
Trade finance |  | 806,744 |  |  | 723,137 |
Total C&I |  | 7,838,094 |  |  | 5,360,193 |
Residential: |  |  |  |  |  |
Single-family |  | 3,642,978 |  |  | 3,192,875 |
Multifamily |  | 1,177,690 |  |  | 992,434 |
Total residential |  | 4,820,668 |  |  | 4,185,309 |
Consumer: |  |  |  |  |  |
Student loans |  | — |  |  | 679,220 |
Other consumer |  | 1,456,643 |  |  | 868,518 |
Total consumer |  | 1,456,643 |  |  | 1,547,738 |
Total non-covered loans (1) |  | 20,249,451 |  |  | 15,678,317 |
Unearned fees, premiums, and discounts, net |  | 2,804 |  |  | (23,672 | )
Allowance for loan losses on non-covered loans |  | (258,174 | ) |  | (241,930 | )
Non-covered loans, net |  | $ | 19,994,081 |  |  | $ | 15,412,715 |
(1) | Loans net of ASC 310-30 discount.
Summary of credit risk rating categories for the non-covered loans |
|  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
|  | (In thousands)
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 5,244,022 |  |  | $ | 54,431 |  |  | $ | 313,032 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,611,485 |
Construction |  | 306,923 |  |  | — |  |  | 6,888 |  |  | — |  |  | — |  |  | 313,811 |
Land |  | 179,319 |  |  | 5,701 |  |  | 23,730 |  |  | — |  |  | — |  |  | 208,750 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,783,051 |  |  | 128,578 |  |  | 119,133 |  |  | 533 |  |  | 55 |  |  | 7,031,350 |
Trade finance |  | 766,575 |  |  | 10,193 |  |  | 29,976 |  |  | — |  |  | — |  |  | 806,744 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,624,097 |  |  | 3,143 |  |  | 15,738 |  |  | — |  |  | — |  |  | 3,642,978 |
Multifamily |  | 1,096,572 |  |  | 5,124 |  |  | 75,994 |  |  | — |  |  | — |  |  | 1,177,690 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer |  | 1,452,953 |  |  | 1,005 |  |  | 2,685 |  |  | — |  |  | — |  |  | 1,456,643 |
Total |  | $ | 19,453,512 |  |  | $ | 208,175 |  |  | $ | 587,176 |  |  | $ | 533 |  |  | $ | 55 |  |  | $ | 20,249,451 |
|  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
|  | (In thousands)
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,167,337 |  |  | 8,331 |  |  | 17,207 |  |  | — |  |  | — |  |  | 3,192,875 |
Multifamily |  | 923,697 |  |  | 1,634 |  |  | 67,103 |  |  | — |  |  | — |  |  | 992,434 |
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 Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  | Total Accruing Past Due Loans |  | Nonaccrual Loans Less Than 90 Days Past Due |  | Nonaccrual Loans 90 or More Days Past Due |  | Total Nonaccrual Loans |  | Current Accruing Loans |  | Total
|  | (In thousands)
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 14,171 |  |  | $ | 3,593 |  |  | $ | 17,764 |  |  | $ | 29,576 |  |  | $ | 9,109 |  |  | $ | 38,685 |  |  | $ | 5,555,036 |  |  | $ | 5,611,485 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,888 |  |  | 6,888 |  |  | 306,923 |  |  | 313,811 |
Land |  | — |  |  | — |  |  | — |  |  | 254 |  |  | 2,502 |  |  | 2,756 |  |  | 205,994 |  |  | 208,750 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,073 |  |  | 2,884 |  |  | 5,957 |  |  | 5,514 |  |  | 14,689 |  |  | 20,203 |  |  | 7,005,190 |  |  | 7,031,350 |
Trade finance |  | — |  |  | — |  |  | — |  |  | 73 |  |  | — |  |  | 73 |  |  | 806,671 |  |  | 806,744 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 6,375 |  |  | 1,294 |  |  | 7,669 |  |  | 2,894 |  |  | 4,936 |  |  | 7,830 |  |  | 3,627,479 |  |  | 3,642,978 |
Multifamily |  | 4,350 |  |  | 507 |  |  | 4,857 |  |  | 12,460 |  |  | 8,336 |  |  | 20,796 |  |  | 1,152,037 |  |  | 1,177,690 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer |  | 2,154 |  |  | 162 |  |  | 2,316 |  |  | 115 |  |  | 540 |  |  | 655 |  |  | 1,453,672 |  |  | 1,456,643 |
Loans held for sale |  | 642 |  |  | 175 |  |  | 817 |  |  | — |  |  | 3,157 |  |  | 3,157 |  |  | 41,976 |  |  | 45,950 |
Total (1) |  | $ | 30,765 |  |  | $ | 8,615 |  |  | $ | 39,380 |  |  | $ | 50,886 |  |  | $ | 50,157 |  |  | $ | 101,043 |  |  | $ | 20,154,978 |  |  | $ | 20,295,401 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,804 |
Total recorded investment in non-covered loans and loans held for sale |  |  |  |  |  |  |  |  |  |  |  |  | $ | 20,298,205 |
(1) | Loans net of ASC 310-30 discount.
|  | Accruing Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  | Total Accruing Past Due Loans |  | Nonaccrual Loans Less Than 90 Days Past Due |  | Nonaccrual Loans 90 or More Days Past Due |  | Total Nonaccrual Loans |  | Current Accruing Loans |  | Total
|  | (In thousands)
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
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 |
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 Year Ended December 31,
|  | 2014 |  | 2013 |  | 2012
|  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2) |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2) |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
|  | ($ in thousands)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 6 |  |  | $ | 8,829 |  |  | $ | 8,624 |  |  | $ | 43 |  |  | 6 |  |  | $ | 26,021 |  |  | $ | 17,456 |  |  | $ | 219 |  |  | 8 |  |  | $ | 10,118 |  |  | $ | 8,162 |  |  | $ | 1,169 |
Construction |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Land |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 3 |  |  | $ | 1,610 |  |  | $ | 1,059 |  |  | $ | 395 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 13 |  |  | $ | 4,379 |  |  | $ | 3,089 |  |  | $ | 2,205 |  |  | 6 |  |  | $ | 16,220 |  |  | $ | 15,624 |  |  | $ | 4,274 |  |  | 14 |  |  | $ | 5,101 |  |  | $ | 4,374 |  |  | $ | 560 |
Trade finance |  | 1 |  |  | $ | 190 |  |  | $ | 73 |  |  | $ | 14 |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 2 |  |  | $ | 2,510 |  |  | $ | 579 |  |  | $ | 1,506 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 9 |  |  | $ | 11,454 |  |  | $ | 8,269 |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 12 |  |  | $ | 6,227 |  |  | $ | 5,556 |  |  | $ | 938 |
Multifamily |  | 6 |  |  | $ | 5,471 |  |  | $ | 3,705 |  |  | $ | 7 |  |  | 1 |  |  | $ | 1,093 |  |  | $ | 1,071 |  |  | $ | — |  |  | 16 |  |  | $ | 28,736 |  |  | $ | 28,153 |  |  | $ | 3,344 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 1 |  |  | $ | 509 |  |  | $ | 504 |  |  | $ | — |  |  | 1 |  |  | $ | 651 |  |  | $ | 639 |  |  | $ | — |  |  | 1 |  |  | $ | 108 |  |  | $ | 108 |  |  | $ | — |
(1) | Includes subsequent payments after modification.
(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 Year Ended December 31,
|  | 2014 |  | 2013 |  | 2012
|  | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
|  | ($ in thousands)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 271 |
Construction |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Land |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  |  | $ | 957 |  |  | 1 |  |  | $ | 570 |  |  | 2 |  |  | $ | 33 |
Trade finance |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 2,830 |
Multifamily |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 378 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 639 |  |  | — |  |  | $ | — |
Summary of impaired non-covered loans |
|  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment (1) |  | Related Allowance
|  | (In thousands)
As of December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 57,805 |  |  | $ | 34,399 |  |  | $ | 15,646 |  |  | $ | 50,045 |  |  | $ | 1,581 |
Construction |  | 6,888 |  |  | 6,888 |  |  | — |  |  | 6,888 |  |  | — |
Land |  | 13,291 |  |  | 2,838 |  |  | 5,622 |  |  | 8,460 |  |  | 1,906 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 42,396 |  |  | 10,552 |  |  | 25,717 |  |  | 36,269 |  |  | 15,174 |
Trade finance |  | 280 |  |  | — |  |  | 274 |  |  | 274 |  |  | 28 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 17,838 |  |  | 5,137 |  |  | 11,398 |  |  | 16,535 |  |  | 461 |
Multifamily |  | 37,624 |  |  | 21,500 |  |  | 12,890 |  |  | 34,390 |  |  | 313 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 1,259 |  |  | 1,151 |  |  | 108 |  |  | 1,259 |  |  | 1 |
Total |  | $ | 177,381 |  |  | $ | 82,465 |  |  | $ | 71,655 |  |  | $ | 154,120 |  |  | $ | 19,464 |
|  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment (1) |  | Related Allowance
|  | (In thousands)
As of December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 15,814 |  |  | 13,585 |  |  | 1,588 |  |  | 15,173 |  |  | 207 |
Multifamily |  | 43,821 |  |  | 30,899 |  |  | 10,215 |  |  | 41,114 |  |  | 1,339 |
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 $10.1 million and $17.7 million of covered non-accrual loans as of December 31, 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 |
|  | Year Ended December 31,
|  | 2014 |  | 2013
|  | Average recorded investment |  | Recognized interest income (1) |  | Average recorded investment |  | Recognized interest income (1)
|  | (In thousands)
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 54,544 |  |  | $ | 1,249 |  |  | $ | 71,856 |  |  | $ | 2,480 |
Construction |  | 6,888 |  |  | — |  |  | 6,888 |  |  | — |
Land |  | 8,633 |  |  | 298 |  |  | 12,453 |  |  | 496 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 36,528 |  |  | 833 |  |  | 38,294 |  |  | 735 |
Trade finance |  | 336 |  |  | 15 |  |  | 1,603 |  |  | 11 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 16,413 |  |  | 342 |  |  | 15,322 |  |  | 154 |
Multifamily |  | 37,128 |  |  | 830 |  |  | 35,799 |  |  | 850 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Student loans |  | — |  |  | — |  |  | 1,664 |  |  | — |
Other consumer |  | 1,259 |  |  | 47 |  |  | 1,561 |  |  | 4 |
Total impaired loans (excluding PCI) |  | $ | 161,729 |  |  | $ | 3,614 |  |  | $ | 185,440 |  |  | $ | 4,730 |
(1) | Includes interest recognized on accruing TDRs. Interest payments received on nonaccrual loans are reflected as a reduction of principal and not as interest income.
Allowance for loan losses disclosures |
Recorded investment in total loans non-covered receivable by portfolio segment, disaggregated by impairment methodology |
|  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
|  | (In thousands)
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 65,393 |  |  | $ | 36,543 |  |  | $ | 50,925 |  |  | $ | 1,259 |  |  | $ | 154,120 |
Collectively evaluated for impairment |  | 5,977,437 |  |  | 7,796,239 |  |  | 4,768,541 |  |  | 1,455,384 |  |  | 19,997,601 |
Acquired with deteriorated credit quality |  | 91,216 |  |  | 5,312 |  |  | 1,202 |  |  | — |  |  | 97,730 |
Ending balance |  | $ | 6,134,046 |  |  | $ | 7,838,094 |  |  | $ | 4,820,668 |  |  | $ | 1,456,643 |  |  | $ | 20,249,451 |
|  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
|  | (In thousands)
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 84,436 |  |  | $ | 39,527 |  |  | $ | 56,287 |  |  | $ | 3,227 |  |  | $ | 183,477 |
Collectively evaluated for impairment |  | 4,500,641 |  |  | 5,320,666 |  |  | 4,129,022 |  |  | 1,544,511 |  |  | 15,494,840 |
Ending balance |  | $ | 4,585,077 |  |  | $ | 5,360,193 |  |  | $ | 4,185,309 |  |  | $ | 1,547,738 |  |  | $ | 15,678,317 |
Summary of the changes in the accretable yield for the PCI loans acquired from MetroCorp |
|  |  |  | Year Ended
|  |  |  | December 31, 2014
|  |  |  | (In thousands)
Beginning balance |  |  |  | $ | — |
Additions |  |  |  | 6,745 |
Accretion |  |  |  | (4,960 | )
Changes in expected cash flows |  |  |  | 3,379 |
Ending Balance |  |  |  | $ | 5,164 |
Non-covered loans |
Allowance for loan losses disclosures |
Summary of the activity in the allowance for loan losses on non-covered loans |
|  | CRE |  | C&I |  | Residential |  | Consumer |  | Unallocated |  | Total
|  | (In thousands)
Year Ended December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 64,677 |  |  | $ | 115,184 |  |  | $ | 50,717 |  |  | $ | 11,352 |  |  | $ | — |  |  | $ | 241,930 |
Provision for (reversal of) loan losses |  | 6,107 |  |  | 40,371 |  |  | (8,168 | ) |  | 4,240 |  |  | 1,575 |  |  | 44,125 |
Allowance for unfunded loan commitments and letters of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | (1,575 | ) |  | (1,575 | )
Charge-offs |  | (3,294 | ) | (1) | (29,592 | ) |  | (1,103 | ) |  | (5,793 | ) |  | — |  |  | (39,782 | )
Recoveries |  | 1,982 |  |  | 8,635 |  |  | 2,410 |  |  | 449 |  |  | — |  |  | 13,476 |
Net (charge-offs) recoveries |  | (1,312 | ) |  | (20,957 | ) |  | 1,307 |  |  | (5,344 | ) |  | — |  |  | (26,306 | )
Ending balance |  | $ | 69,472 |  |  | $ | 134,598 |  |  | $ | 43,856 |  |  | $ | 10,248 |  |  | $ | — |  |  | $ | 258,174 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,487 |  |  | $ | 15,202 |  |  | $ | 774 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 19,464 |
Collectively evaluated for impairment |  | 65,695 |  |  | 119,396 |  |  | 43,082 |  |  | 10,247 |  |  | — |  |  | 238,420 |
Acquired with deteriorated credit quality |  | 290 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 290 |
Ending balance |  | $ | 69,472 |  |  | $ | 134,598 |  |  | $ | 43,856 |  |  | $ | 10,248 |  |  | $ | — |  |  | $ | 258,174 |
(1) Includes a charge-off of $523 thousand related to PCI loans acquired from MetroCorp.
|  | CRE |  | C&I |  | Residential |  | Consumer |  | Unallocated |  | Total
| (In thousands)
Year Ended December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 69,856 |  |  | $ | 105,376 |  |  | $ | 49,349 |  |  | $ | 4,801 |  |  | $ | — |  |  | $ | 229,382 |
(Reversal of) provision for loan losses |  | (6,615 | ) |  | 12,821 |  |  | 1,918 |  |  | 8,055 |  |  | 2,157 |  |  | 18,336 |
Allowance for unfunded loan commitments and letters of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,157 | ) |  | (2,157 | )
Charge-offs |  | (3,357 | ) |  | (7,405 | ) |  | (3,197 | ) |  | (2,385 | ) |  | — |  |  | (16,344 | )
Recoveries |  | 4,793 |  |  | 4,392 |  |  | 2,647 |  |  | 881 |  |  | — |  |  | 12,713 |
Net recoveries (charge-offs) |  | 1,436 |  |  | (3,013 | ) |  | (550 | ) |  | (1,504 | ) |  | — |  |  | (3,631 | )
Ending balance |  | $ | 64,677 |  |  | $ | 115,184 |  |  | $ | 50,717 |  |  | $ | 11,352 |  |  | $ | — |  |  | $ | 241,930 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,058 |  |  | $ | 14,539 |  |  | $ | 1,546 |  |  | $ | — |  |  | $ | — |  |  | $ | 24,143 |
Collectively evaluated for impairment |  | 56,619 |  |  | 100,645 |  |  | 49,171 |  |  | 11,352 |  |  | — |  |  | 217,787 |
Ending balance |  | $ | 64,677 |  |  | $ | 115,184 |  |  | $ | 50,717 |  |  | $ | 11,352 |  |  | $ | — |  |  | $ | 241,930 |
|  | CRE |  | C&I |  | Residential |  | Consumer |  | Unallocated |  | Total
| (In thousands)
Year Ended December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 66,457 |  |  | $ | 87,020 |  |  | $ | 52,180 |  |  | $ | 4,219 |  |  | $ | — |  |  | $ | 209,876 |
Provision for (reversal of) loan losses |  | 20,977 |  |  | 35,204 |  |  | 3,255 |  |  | 2,295 |  |  | (1,563 | ) |  | 60,168 |
Allowance for unfunded loan commitments and letters of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,563 |  |  | 1,563 |
Charge-offs |  | (27,060 | ) |  | (21,818 | ) |  | (7,700 | ) |  | (1,824 | ) |  | — |  |  | (58,402 | )
Recoveries |  | 9,482 |  |  | 4,970 |  |  | 1,614 |  |  | 111 |  |  | — |  |  | 16,177 |
Net (chargeoffs) recoveries |  | (17,578 | ) |  | (16,848 | ) |  | (6,086 | ) |  | (1,713 | ) |  | — |  |  | (42,225 | )
Ending balance |  | $ | 69,856 |  |  | $ | 105,376 |  |  | $ | 49,349 |  |  | $ | 4,801 |  |  | $ | — |  |  | $ | 229,382 |
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,561 |  |  | $ | 2,835 |  |  | $ | 3,131 |  |  | $ | — |  |  | $ | — |  |  | $ | 11,527 |
Collectively evaluated for impairment |  | 64,295 |  |  | 102,541 |  |  | 46,218 |  |  | 4,801 |  |  | — |  |  | 217,855 |
Ending balance |  | $ | 69,856 |  |  | $ | 105,376 |  |  | $ | 49,349 |  |  | $ | 4,801 |  |  | $ | — |  |  | $ | 229,382 |

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