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LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2015
LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES |
Schedule of the composition of Non-PCI and PCI loans |
|  | March 31, 2015 |  | December 31, 2014
($ in thousands) |  | Non-PCI Loans |  | PCI Loans (1) |  | Total (1) |  | Non-PCI Loans |  | PCI Loans (1) |  | Total (1)
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income Producing |  | $ | 5,802,931 |  | $ | 652,246 |  | $ | 6,455,177 |  | $ | 5,568,046 |  | $ | 688,013 |  | $ | 6,256,059
Construction |  | 358,118 |  | 9,342 |  | 367,460 |  | 319,843 |  | 12,444 |  | 332,287
Land |  | 209,992 |  | 12,792 |  | 222,784 |  | 214,327 |  | 16,840 |  | 231,167
Total CRE |  | 6,371,041 |  | 674,380 |  | 7,045,421 |  | 6,102,216 |  | 717,297 |  | 6,819,513
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,799,149 |  | 72,301 |  | 6,871,450 |  | 7,097,853 |  | 83,336 |  | 7,181,189
Trade finance |  | 844,090 |  | 5,224 |  | 849,314 |  | 889,728 |  | 6,284 |  | 896,012
Total C&I |  | 7,643,239 |  | 77,525 |  | 7,720,764 |  | 7,987,581 |  | 89,620 |  | 8,077,201
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,298,775 |  | 214,019 |  | 3,512,794 |  | 3,647,262 |  | 219,519 |  | 3,866,781
Multifamily |  | 1,240,359 |  | 244,066 |  | 1,484,425 |  | 1,184,017 |  | 265,891 |  | 1,449,908
Total residential |  | 4,539,134 |  | 458,085 |  | 4,997,219 |  | 4,831,279 |  | 485,410 |  | 5,316,689
Consumer |  | 1,584,168 |  | 27,996 |  | 1,612,164 |  | 1,483,956 |  | 29,786 |  | 1,513,742
Total loans |  | $ | 20,137,582 |  | $ | 1,237,986 |  | $ | 21,375,568 |  | $ | 20,405,032 |  | $ | 1,322,113 |  | $ | 21,727,145
Unearned fees, premiums, and discounts, net |  | (899) |  | — |  | (899) |  | 2,804 |  | — |  | 2,804
Allowance for loan losses |  | (257,095) |  | (643) |  | (257,738) |  | (260,965) |  | (714) |  | (261,679)
Loans, net |  | $ | 19,879,588 |  | $ | 1,237,343 |  | $ | 21,116,931 |  | $ | 20,146,871 |  | $ | 1,321,399 |  | $ | 21,468,270
| (1) |  | Loans net of ASC 310-30 discount.
Summary of credit risk rating by portfolio segment |
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total Non-PCI Loans
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 5,488,698 |  | $ | 56,245 |  | $ | 257,988 |  | $ | — |  | $ | — |  | $ | 5,802,931
Construction |  | 353,799 |  | 703 |  | 3,616 |  | — |  | — |  | 358,118
Land |  | 187,364 |  | 5,701 |  | 16,927 |  | — |  | — |  | 209,992
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,573,081 |  | 93,302 |  | 132,286 |  | 426 |  | 54 |  | 6,799,149
Trade finance |  | 788,864 |  | 19,726 |  | 35,500 |  | — |  | — |  | 844,090
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,277,085 |  | 3,595 |  | 18,095 |  | — |  | — |  | 3,298,775
Multifamily |  | 1,162,798 |  | 4,906 |  | 72,655 |  | — |  | — |  | 1,240,359
Consumer |  | 1,581,116 |  | 336 |  | 2,716 |  | — |  | — |  | 1,584,168
Total |  | $ | 19,412,805 |  | $ | 184,514 |  | $ | 539,783 |  | $ | 426 |  | $ | 54 |  | $ | 20,137,582
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total Non-PCI Loans
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 5,243,640 |  | $ | 54,673 |  | $ | 269,733 |  | $ | — |  | $ | — |  | $ | 5,568,046
Construction |  | 310,259 |  | 11 |  | 9,573 |  | — |  | — |  | 319,843
Land |  | 185,220 |  | 5,701 |  | 23,406 |  | — |  | — |  | 214,327
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 6,836,914 |  | 130,319 |  | 130,032 |  | 533 |  | 55 |  | 7,097,853
Trade finance |  | 845,889 |  | 13,031 |  | 30,808 |  | — |  | — |  | 889,728
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,627,491 |  | 3,143 |  | 16,628 |  | — |  | — |  | 3,647,262
Multifamily |  | 1,095,982 |  | 5,124 |  | 82,911 |  | — |  | — |  | 1,184,017
Consumer |  | 1,480,208 |  | 1,005 |  | 2,743 |  | — |  | — |  | 1,483,956
Total |  | $ | 19,625,603 |  | $ | 213,007 |  | $ | 565,834 |  | $ | 533 |  | $ | 55 |  | $ | 20,405,032
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total PCI Loans
March 31, 2015 |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 517,827 |  | $ | 6,164 |  | $ | 128,255 |  | $ | — |  | $ | 652,246
Construction |  | 585 |  | 1,739 |  | 7,018 |  | — |  | 9,342
Land |  | 5,080 |  | 5,433 |  | 2,279 |  | — |  | 12,792
C&I: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 62,858 |  | 997 |  | 8,446 |  | — |  | 72,301
Trade finance |  | 3,535 |  | — |  | 1,689 |  | — |  | 5,224
Residential: |  |  |  |  |  |  |  |  |  |
Single-family |  | 208,238 |  | 745 |  | 5,036 |  | — |  | 214,019
Multifamily |  | 211,060 |  | — |  | 33,006 |  | — |  | 244,066
Consumer |  | 27,330 |  | 115 |  | 551 |  | — |  | 27,996
Total (1) |  | $ | 1,036,513 |  | $ | 15,193 |  | $ | 186,280 |  | $ | — |  | $ | 1,237,986
| (1) |  | Loans net of ASC 310-30 discount.
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total PCI Loans
December 31, 2014 |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 534,015 |  | $ | 9,960 |  | $ | 144,038 |  | $ | — |  | $ | 688,013
Construction |  | 589 |  | 1,744 |  | 10,111 |  | — |  | 12,444
Land |  | 7,012 |  | 5,391 |  | 4,437 |  | — |  | 16,840
C&I: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 70,586 |  | 1,103 |  | 11,647 |  | — |  | 83,336
Trade finance |  | 4,620 |  | — |  | 1,664 |  | — |  | 6,284
Residential: |  |  |  |  |  |  |  |  |  |
Single-family |  | 213,829 |  | 374 |  | 5,316 |  | — |  | 219,519
Multifamily |  | 230,049 |  | — |  | 35,842 |  | — |  | 265,891
Consumer |  | 29,026 |  | 116 |  | 644 |  | — |  | 29,786
Total (1) |  | $ | 1,089,726 |  | $ | 18,688 |  | $ | 213,699 |  | $ | — |  | $ | 1,322,113
| (1) |  | Loans net of ASC 310-30 discount.
Schedule of aging analysis on non-PCI loans |
($ in thousands) |  | 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 Non-PCI Loans
March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 9,699 |  | $ | 1,860 |  | $ | 11,559 |  | $ | 18,739 |  | $ | 11,011 |  | $ | 29,750 |  | $ | 5,761,622 |  | $ | 5,802,931
Construction |  | — |  | — |  | — |  | 14 |  | 917 |  | 931 |  | 357,187 |  | 358,118
Land |  | — |  | — |  | — |  | 214 |  | 2,386 |  | 2,600 |  | 207,392 |  | 209,992
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 11,227 |  | 902 |  | 12,129 |  | 5,988 |  | 25,436 |  | 31,424 |  | 6,755,596 |  | 6,799,149
Trade finance |  | — |  | 600 |  | 600 |  | 37 |  | — |  | 37 |  | 843,453 |  | 844,090
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 7,239 |  | 2,402 |  | 9,641 |  | 4,731 |  | 4,406 |  | 9,137 |  | 3,279,997 |  | 3,298,775
Multifamily |  | 2,611 |  | 376 |  | 2,987 |  | 12,216 |  | 1,145 |  | 13,361 |  | 1,224,011 |  | 1,240,359
Consumer |  | 883 |  | 2 |  | 885 |  | 166 |  | 374 |  | 540 |  | 1,582,743 |  | 1,584,168
Total |  | $ | 31,659 |  | $ | 6,142 |  | $ | 37,801 |  | $ | 42,105 |  | $ | 45,675 |  | $ | 87,780 |  | $ | 20,012,001 |  | $ | 20,137,582
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  | (899)
Total recorded investment in non-PCI loans |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 20,136,683
($ in thousands) |  | 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 Non-PCI Loans
December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 14,171 |  | $ | 3,593 |  | $ | 17,764 |  | $ | 19,348 |  | $ | 9,165 |  | $ | 28,513 |  | $ | 5,521,769 |  | $ | 5,568,046
Construction |  | — |  | — |  | — |  | 15 |  | 6,898 |  | 6,913 |  | 312,930 |  | 319,843
Land |  | — |  | — |  | — |  | 221 |  | 2,502 |  | 2,723 |  | 211,604 |  | 214,327
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3,187 |  | 4,361 |  | 7,548 |  | 6,623 |  | 21,813 |  | 28,436 |  | 7,061,869 |  | 7,097,853
Trade finance |  | — |  | — |  | — |  | 73 |  | 292 |  | 365 |  | 889,363 |  | 889,728
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 6,381 |  | 1,294 |  | 7,675 |  | 2,861 |  | 5,764 |  | 8,625 |  | 3,630,962 |  | 3,647,262
Multifamily |  | 4,425 |  | 507 |  | 4,932 |  | 12,460 |  | 8,359 |  | 20,819 |  | 1,158,266 |  | 1,184,017
Consumer |  | 2,154 |  | 162 |  | 2,316 |  | 169 |  | 3,699 |  | 3,868 |  | 1,477,772 |  | 1,483,956
Total |  | $ | 30,318 |  | $ | 9,917 |  | $ | 40,235 |  | $ | 41,770 |  | $ | 58,492 |  | $ | 100,262 |  | $ | 20,264,535 |  | $ | 20,405,032
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  |  |  | 2,804
Total recorded investment in non-PCI loans |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 20,407,836
Summary of additions to non-PCI troubled debt restructurings |
|  | Loans Modified as TDRs During the Three Months Ended March 31,
|  | 2015 |  | 2014
($ in thousands) |  | 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)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 1 |  | $ | 828 |  | $ | 833 |  | $ | — |  | — |  | $ | — |  | $ | — |  | $ | —
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 167 |  | $ | 164 |  | $ | (32) |  | 5 |  | $ | 1,721 |  | $ | 1,691 |  | $ | 1,248
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  | $ | 281 |  | $ | 281 |  | $ | (2) |  | 3 |  | $ | 5,823 |  | $ | 5,804 |  | $ | —
| (1) |  | Includes subsequent payments after modification and reflects the balance as of March 31, 2015 and 2014.
| (2) |  | The financial impact includes charge-offs and specific reserves recorded at modification date.
Summary of non-PCI impaired loans |
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
March 31, 2015 |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 50,389 |  | $ | 28,186 |  | $ | 15,001 |  | $ | 43,187 |  | $ | 1,399
Construction |  | 916 |  | 916 |  | — |  | 916 |  | —
Land |  | 8,234 |  | 2,826 |  | 543 |  | 3,369 |  | 175
C&I: |  |  |  |  |  |  |  |  |  |
Commercial business |  | 43,289 |  | 10,815 |  | 28,186 |  | 39,001 |  | 17,886
Trade finance |  | 223 |  | — |  | 216 |  | 216 |  | 20
Residential: |  |  |  |  |  |  |  |  |  |
Single-family |  | 16,767 |  | 7,007 |  | 8,404 |  | 15,411 |  | 413
Multifamily |  | 29,262 |  | 20,200 |  | 6,594 |  | 26,794 |  | 279
Consumer |  | 1,258 |  | 1,150 |  | 108 |  | 1,258 |  | 1
Total |  | $ | 150,338 |  | $ | 71,100 |  | $ | 59,052 |  | $ | 130,152 |  | $ | 20,173
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
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 |  | 1,259 |  | 1,151 |  | 108 |  | 1,259 |  | 1
Total |  | $ | 177,381 |  | $ | 82,465 |  | $ | 71,655 |  | $ | 154,120 |  | $ | 19,464
Schedule of average recorded investment and amount of interest income on non-PCI impaired loans |
|  | Three Months Ended March 31,
|  | 2015 |  | 2014
($ in thousands) |  | Average Recorded Investment |  | Recognized Interest Income (1) |  | Average Recorded Investment |  | Recognized Interest Income (1)
CRE: |  |  |  |  |  |  |  |
Income producing |  | $ | 44,195 |  | $ | 141 |  | $ | 67,153 |  | $ | 325
Construction |  | 3,902 |  | — |  | 6,888 |  | —
Land |  | 3,438 |  | 10 |  | 12,227 |  | 121
C&I: |  |  |  |  |  |  |  |
Commercial business |  | 39,310 |  | 202 |  | 43,726 |  | 207
Trade finance |  | 245 |  | 3 |  | 637 |  | 4
Residential: |  |  |  |  |  |  |  |
Single-family |  | 15,423 |  | 68 |  | 17,100 |  | 50
Multifamily |  | 26,987 |  | 203 |  | 36,369 |  | 205
Consumer |  | 1,258 |  | 12 |  | 2,835 |  | 1
Total impaired non-PCI loans |  | $ | 134,758 |  | $ | 639 |  | $ | 186,935 |  | $ | 913
| (1) |  | Includes interest recognized on accruing non-PCI TDRs. Interest payments received on nonaccrual non-PCI loans are generally reflected as a reduction of principal and not as interest income.
Summary of the activity in the allowance for loan losses |
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Unallocated |  | Total |  | PCI Loans |  | Total
Three Months Ended March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 72,263 |  | $ | 134,598 |  | $ | 43,856 |  | $ | 10,248 |  | $ | — |  | $ | 260,965 |  | $ | 714 |  | $ | 261,679
(Reversal of) provision for loans losses |  | (2,333) |  | 5,378 |  | (1,571) |  | 664 |  | 2,920 |  | 5,058 |  | (71) |  | 4,987
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (2,920) |  | (2,920) |  | — |  | (2,920)
Charge-offs |  | (1,002) |  | (6,589) |  | (746) |  | (463) |  | — |  | (8,800) |  | — |  | (8,800)
Recoveries |  | 812 |  | 527 |  | 1,451 |  | 2 |  | — |  | 2,792 |  | — |  | 2,792
Net (charge-offs)/recoveries |  | (190) |  | (6,062) |  | 705 |  | (461) |  | — |  | (6,008) |  | — |  | (6,008)
Ending balance |  | $ | 69,740 |  | $ | 133,914 |  | $ | 42,990 |  | $ | 10,451 |  | $ | — |  | $ | 257,095 |  | $ | 643 |  | $ | 257,738
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,574 |  | $ | 17,906 |  | $ | 692 |  | $ | 1 |  | $ | — |  | $ | 20,173 |  | $ | — |  | $ | 20,173
Collectively evaluated for impairment |  | 68,166 |  | 116,008 |  | 42,298 |  | 10,450 |  | — |  | 236,922 |  | — |  | 236,922
Acquired with deteriorated credit quality |  | — |  | — |  | — |  | — |  | — |  | — |  | 643 |  | 643
Ending balance |  | $ | 69,740 |  | $ | 133,914 |  | $ | 42,990 |  | $ | 10,451 |  | $ | — |  | $ | 257,095 |  | $ | 643 |  | $ | 257,738
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Unallocated |  | Total |  | PCI Loans |  | Total
Three Months Ended March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 70,154 |  | $ | 115,184 |  | $ | 50,716 |  | $ | 11,352 |  | $ | — |  | $ | 247,406 |  | $ | 2,269 |  | $ | 249,675
(Reversal of) provision for loans losses |  | (7,036) |  | 16,592 |  | (2,575) |  | (196) |  | 215 |  | 7,000 |  | (67) |  | 6,933
Provision allocation for unfunded loan commitments and letters of credit |  | — |  | — |  | — |  | — |  | (215) |  | (215) |  | — |  | (215)
Charge-offs |  | (319) |  | (5,531) |  | (283) |  | (3) |  | — |  | (6,136) |  | — |  | (6,136)
Recoveries |  | 828 |  | 911 |  | 137 |  | 3 |  | — |  | 1,879 |  | — |  | 1,879
Net recoveries/(charge-offs) |  | 509 |  | (4,620) |  | (146) |  | — |  | — |  | (4,257) |  | — |  | (4,257)
Ending balance |  | $ | 63,627 |  | $ | 127,156 |  | $ | 47,995 |  | $ | 11,156 |  | $ | — |  | $ | 249,934 |  | $ | 2,202 |  | $ | 252,136
Ending balance allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 8,375 |  | $ | 16,490 |  | $ | 1,853 |  | $ | — |  | $ | — |  | $ | 26,718 |  | $ | — |  | $ | 26,718
Collectively evaluated for impairment |  | 55,252 |  | 110,666 |  | 46,142 |  | 11,156 |  | — |  | 223,216 |  | — |  | 223,216
Acquired with deteriorated credit quality |  | — |  | — |  | — |  | — |  | — |  | — |  | 2,202 |  | 2,202
Ending balance |  | $ | 63,627 |  | $ | 127,156 |  | $ | 47,995 |  | $ | 11,156 |  | $ | — |  | $ | 249,934 |  | $ | 2,202 |  | $ | 252,136
Recorded investment in total loans receivable by portfolio segment, disaggregated by impairment methodology |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |
As of March 31, 2015 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 47,472 |  | $ | 39,217 |  | $ | 42,205 |  | $ | 1,258 |  | $ | 130,152 |
Collectively evaluated for impairment |  | 6,323,569 |  | 7,604,022 |  | 4,496,929 |  | 1,582,910 |  | 20,007,430 |
Acquired with deteriorated credit quality (1) |  | 674,380 |  | 77,525 |  | 458,085 |  | 27,996 |  | 1,237,986 |
Ending Balance |  | $ | 7,045,421 |  | $ | 7,720,764 |  | $ | 4,997,219 |  | $ | 1,612,164 |  | $ | 21,375,568 |
| (1) |  | Loans net of ASC 310-30 discount.
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |
As of December 31, 2014 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 65,393 |  | $ | 36,543 |  | $ | 50,925 |  | $ | 1,259 |  | $ | 154,120 |
Collectively evaluated for impairment |  | 6,036,823 |  | 7,951,038 |  | 4,780,354 |  | 1,482,697 |  | 20,250,912 |
Acquired with deteriorated credit quality (1) |  | 717,297 |  | 89,620 |  | 485,410 |  | 29,786 |  | 1,322,113 |
Ending Balance |  | $ | 6,819,513 |  | $ | 8,077,201 |  | $ | 5,316,689 |  | $ | 1,513,742 |  | $ | 21,727,145 |
| (1) |  | Loans net of ASC 310-30 discount.
Summary of changes in the accretable yield for the PCI loans |
|  | Three Months Ended March 31, |
($ in thousands) |  | 2015 |  | 2014 |
Beginning balance |  | $ | 311,688 |  | $ | 461,545 |
Additions |  | — |  | 6,745 |
Accretion |  | (30,569) |  | (61,946 | )
Changes in expected cash flows |  | 12,036 |  | 24,112 |
Ending balance |  | $ | 293,155 |  | $ | 430,456 |
Summary of the FDIC indemnification asset/net payable to the FDIC |
|  | Three Months Ended March 31, |
($ in thousands) |  | 2015 |  | 2014 |
Beginning balance |  | $ | (96,106) |  | $ | 74,708 |
Amortization |  | (1,542) |  | (28,490 | )
Reductions (1) |  | (649) |  | (11,842 | )
Estimate of FDIC repayment (2) |  | (3,114) |  | (6,824 | )
Ending balance |  | $ | (101,411) |  | $ | 27,552 |
| (1) |  | Reductions relate to charge-offs, partial prepayments, loan payoffs and loan sales which result in a corresponding reduction of the indemnification asset.
| (2) |  | This represents the change in the calculated estimate the Company will be required to pay the FDIC at the end of the FDIC shared-loss agreements, due to lower thresholds of losses.

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