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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2015
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of the composition of Non-PCI and PCI loans | The following table presents the composition of the Company’s non-PCI and PCI loans as of September 30, 2015 and December 31, 2014:
|  | September 30, 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 |  | $ | 6,518,052 |  |  | $ | 570,356 |  |  | $ | 7,088,408 |  |  | $ | 5,568,046 |  |  | $ | 688,013 |  |  | $ | 6,256,059 |
Construction |  | 429,417 |  |  | 6,780 |  |  | 436,197 |  |  | 319,843 |  |  | 12,444 |  |  | 332,287 |
Land |  | 178,976 |  |  | 6,423 |  |  | 185,399 |  |  | 214,327 |  |  | 16,840 |  |  | 231,167 |
Total CRE |  | 7,126,445 |  |  | 583,559 |  |  | 7,710,004 |  |  | 6,102,216 |  |  | 717,297 |  |  | 6,819,513 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 7,739,829 |  |  | 61,300 |  |  | 7,801,129 |  |  | 7,097,853 |  |  | 83,336 |  |  | 7,181,189 |
Trade finance |  | 813,711 |  |  | 4,316 |  |  | 818,027 |  |  | 889,728 |  |  | 6,284 |  |  | 896,012 |
Total C&I |  | 8,553,540 |  |  | 65,616 |  |  | 8,619,156 |  |  | 7,987,581 |  |  | 89,620 |  |  | 8,077,201 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 2,807,248 |  |  | 195,560 |  |  | 3,002,808 |  |  | 3,647,262 |  |  | 219,519 |  |  | 3,866,781 |
Multifamily |  | 1,312,151 |  |  | 180,210 |  |  | 1,492,361 |  |  | 1,184,017 |  |  | 265,891 |  |  | 1,449,908 |
Total residential |  | 4,119,399 |  |  | 375,770 |  |  | 4,495,169 |  |  | 4,831,279 |  |  | 485,410 |  |  | 5,316,689 |
Consumer |  | 1,809,519 |  |  | 25,060 |  |  | 1,834,579 |  |  | 1,483,956 |  |  | 29,786 |  |  | 1,513,742 |
Total loans |  | $ | 21,608,903 |  |  | $ | 1,050,005 |  |  | $ | 22,658,908 |  |  | $ | 20,405,032 |  |  | $ | 1,322,113 |  |  | $ | 21,727,145 |
Unearned fees, premiums, and discounts, net |  | (13,176 | ) |  | — |  |  | (13,176 | ) |  | 2,804 |  |  | — |  |  | 2,804 |
Allowance for loan losses |  | (263,889 | ) |  | (541 | ) |  | (264,430 | ) |  | (260,965 | ) |  | (714 | ) |  | (261,679 | )
Loans, net |  | $ | 21,331,838 |  |  | $ | 1,049,464 |  |  | $ | 22,381,302 |  |  | $ | 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 | The following tables present the credit risk rating for PCI loans by portfolio segment as of September 30, 2015 and December 31, 2014:
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total PCI Loans
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 454,052 |  |  | $ | 7,005 |  |  | $ | 109,299 |  |  | $ | — |  |  | $ | — |  |  | $ | 570,356 |
Construction |  | — |  |  | — |  |  | 6,780 |  |  | — |  |  | — |  |  | 6,780 |
Land |  | 4,625 |  |  | — |  |  | 1,798 |  |  | — |  |  | — |  |  | 6,423 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 54,899 |  |  | 875 |  |  | 5,526 |  |  | — |  |  | — |  |  | 61,300 |
Trade finance |  | 2,590 |  |  | — |  |  | 1,726 |  |  | — |  |  | — |  |  | 4,316 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 190,136 |  |  | 1,158 |  |  | 4,266 |  |  | — |  |  | — |  |  | 195,560 |
Multifamily |  | 153,036 |  |  | — |  |  | 27,174 |  |  | — |  |  | — |  |  | 180,210 |
Consumer |  | 24,244 |  |  | 338 |  |  | 478 |  |  | — |  |  | — |  |  | 25,060 |
Total (1) |  | $ | 883,582 |  |  | $ | 9,376 |  |  | $ | 157,047 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,050,005 |
(1) Loans net of ASC 310-30 discount.
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | 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. The following tables present the credit risk rating for non-PCI loans by portfolio segment as of September 30, 2015 and December 31, 2014:
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total Non-PCI Loans
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 6,241,315 |  |  | $ | 52,904 |  |  | $ | 223,833 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,518,052 |
Construction |  | 425,354 |  |  | — |  |  | 4,063 |  |  | — |  |  | — |  |  | 429,417 |
Land |  | 160,657 |  |  | — |  |  | 18,319 |  |  | — |  |  | — |  |  | 178,976 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 7,430,295 |  |  | 153,160 |  |  | 156,030 |  |  | 344 |  |  | — |  |  | 7,739,829 |
Trade finance |  | 767,236 |  |  | 17,382 |  |  | 29,093 |  |  | — |  |  | — |  |  | 813,711 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 2,783,817 |  |  | 4,328 |  |  | 19,103 |  |  | — |  |  | — |  |  | 2,807,248 |
Multifamily |  | 1,250,706 |  |  | 1,190 |  |  | 60,255 |  |  | — |  |  | — |  |  | 1,312,151 |
Consumer |  | 1,805,240 |  |  | 1,328 |  |  | 2,951 |  |  | — |  |  | — |  |  | 1,809,519 |
Total |  | $ | 20,864,620 |  |  | $ | 230,292 |  |  | $ | 513,647 |  |  | $ | 344 |  |  | $ | — |  |  | $ | 21,608,903 |
($ 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 |
Schedule of aging analysis on non-PCI loans | The following tables present the aging analysis on non-PCI loans as of September 30, 2015 and December 31, 2014:
($ 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
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 12,964 |  |  | $ | 11,770 |  |  | $ | 24,734 |  |  | $ | 10,817 |  |  | $ | 18,822 |  |  | $ | 29,639 |  |  | $ | 6,463,679 |  |  | $ | 6,518,052 |
Construction |  | — |  |  | 11 |  |  | 11 |  |  | 14 |  |  | 745 |  |  | 759 |  |  | 428,647 |  |  | 429,417 |
Land |  | — |  |  | 9,739 |  |  | 9,739 |  |  | 1,081 |  |  | 615 |  |  | 1,696 |  |  | 167,541 |  |  | 178,976 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 29,143 |  |  | 737 |  |  | 29,880 |  |  | 43,574 |  |  | 17,129 |  |  | 60,703 |  |  | 7,649,246 |  |  | 7,739,829 |
Trade finance |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 813,711 |  |  | 813,711 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 7,053 |  |  | 3,491 |  |  | 10,544 |  |  | 99 |  |  | 10,968 |  |  | 11,067 |  |  | 2,785,637 |  |  | 2,807,248 |
Multifamily |  | 5,107 |  |  | 7,155 |  |  | 12,262 |  |  | 7,922 |  |  | 5,205 |  |  | 13,127 |  |  | 1,286,762 |  |  | 1,312,151 |
Consumer |  | 691 |  |  | 114 |  |  | 805 |  |  | 161 |  |  | 367 |  |  | 528 |  |  | 1,808,186 |  |  | 1,809,519 |
Total |  | $ | 54,958 |  |  | $ | 33,017 |  |  | $ | 87,975 |  |  | $ | 63,668 |  |  | $ | 53,851 |  |  | $ | 117,519 |  |  | $ | 21,403,409 |  |  | $ | 21,608,903 |
Unearned fees, premiums and discounts, net |  |  |  |  |  |  |  |  |  |  |  |  |  | (13,176 | )
Total recorded investment in non-PCI loans |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 21,595,727 |
($ 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 | The following tables present the additions to non-PCI TDRs during the three and nine months ended September 30, 2015 and 2014:
|  | Loans Modified as TDRs During the Three Months Ended September 30,
|  | 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 |  |  | $ | 451 |  |  | $ | 403 |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Land |  | 1 |  |  | $ | 2,056 |  |  | $ | 788 |  |  | $ | — |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3 |  |  | $ | 4,596 |  |  | $ | 4,423 |  |  | $ | 1,229 |  |  | 1 |  |  | $ | 54 |  |  | $ | 54 |  |  | $ | 10 |
Trade finance |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 190 |  |  | $ | 111 |  |  | $ | 14 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 2 |  |  | $ | 1,474 |  |  | $ | 1,473 |  |  | $ | — |
Consumer |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 509 |  |  | $ | 504 |  |  | $ | — |
|  | Loans Modified as TDRs During the Nine Months Ended September 30,
|  | 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 |  | 2 |  |  | $ | 1,279 |  |  | $ | 1,209 |  |  | $ | — |  |  | 2 |  |  | $ | 5,318 |  |  | $ | 5,193 |  |  | $ | — |
Land |  | 2 |  |  | $ | 2,227 |  |  | $ | 881 |  |  | $ | 102 |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 16 |  |  | $ | 42,686 |  |  | $ | 35,365 |  |  | $ | 6,726 |  |  | 8 |  |  | $ | 2,940 |  |  | $ | 2,167 |  |  | $ | 1,821 |
Trade finance |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 190 |  |  | $ | 111 |  |  | $ | 14 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  |  | $ | 281 |  |  | $ | 279 |  |  | $ | 2 |  |  | 9 |  |  | $ | 11,454 |  |  | $ | 8,356 |  |  | $ | — |
Multifamily |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 2,513 |  |  | $ | 2,832 |  |  | $ | — |
Consumer |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 509 |  |  | $ | 504 |  |  | $ | — |
(1) Includes subsequent payments after modification and reflects the balance as of September 30, 2015 and 2014. (2) The financial impact includes charge-offs and specific reserves recorded at the modification date.
Summary of non-PCI impaired loans | The following tables present the non-PCI impaired loans as of September 30, 2015 and December 31, 2014:
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 49,302 |  |  | $ | 29,352 |  |  | $ | 12,731 |  |  | $ | 42,083 |  |  | $ | 1,322 |
Construction |  | 805 |  |  | 745 |  |  | 14 |  |  | 759 |  |  | 3 |
Land |  | 8,439 |  |  | 1,403 |  |  | 989 |  |  | 2,392 |  |  | 94 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 85,352 |  |  | 19,760 |  |  | 55,251 |  |  | 75,011 |  |  | 20,368 |
Trade finance |  | 11,119 |  |  | — |  |  | 11,119 |  |  | 11,119 |  |  | 91 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 19,581 |  |  | 6,322 |  |  | 11,786 |  |  | 18,108 |  |  | 689 |
Multifamily |  | 26,491 |  |  | 17,699 |  |  | 6,518 |  |  | 24,217 |  |  | 273 |
Consumer |  | 1,246 |  |  | — |  |  | 1,246 |  |  | 1,246 |  |  | 59 |
Total |  | $ | 202,335 |  |  | $ | 75,281 |  |  | $ | 99,654 |  |  | $ | 174,935 |  |  | $ | 22,899 |
($ 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 |  | $ | 58,900 |  |  | $ | 35,495 |  |  | $ | 15,646 |  |  | $ | 51,141 |  |  | $ | 1,581 |
Construction |  | 6,913 |  |  | 6,913 |  |  | — |  |  | 6,913 |  |  | — |
Land |  | 13,291 |  |  | 2,838 |  |  | 5,622 |  |  | 8,460 |  |  | 1,906 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 44,569 |  |  | 12,723 |  |  | 25,717 |  |  | 38,440 |  |  | 15,174 |
Trade finance |  | 12,967 |  |  | 6,431 |  |  | 274 |  |  | 6,705 |  |  | 28 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 18,908 |  |  | 6,003 |  |  | 11,398 |  |  | 17,401 |  |  | 461 |
Multifamily |  | 37,649 |  |  | 21,523 |  |  | 12,890 |  |  | 34,413 |  |  | 313 |
Consumer |  | 1,259 |  |  | 1,151 |  |  | 108 |  |  | 1,259 |  |  | 1 |
Total |  | $ | 194,456 |  |  | $ | 93,077 |  |  | $ | 71,655 |  |  | $ | 164,732 |  |  | $ | 19,464 |
Schedule of average recorded investment and amount of interest income on non-PCI impaired loans | The following table presents the average recorded investment and the amount of interest income recognized on non-PCI impaired loans for the three and nine months ended September 30, 2015 and 2014:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
|  | 2015 |  | 2014 |  | 2015 |  | 2014
($ in thousands) |  | 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)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 43,227 |  |  | $ | 130 |  |  | $ | 62,973 |  |  | $ | 273 |  |  | $ | 45,154 |  |  | $ | 393 |  |  | $ | 64,820 |  |  | $ | 940 |
Construction |  | 759 |  |  | — |  |  | 6,888 |  |  | — |  |  | 695 |  |  | — |  |  | 6,888 |  |  | — |
Land |  | 3,957 |  |  | 10 |  |  | 8,581 |  |  | 75 |  |  | 4,796 |  |  | 30 |  |  | 8,676 |  |  | 224 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 75,655 |  |  | 161 |  |  | 42,832 |  |  | 207 |  |  | 75,951 |  |  | 489 |  |  | 42,403 |  |  | 619 |
Trade finance |  | 11,285 |  |  | 50 |  |  | 363 |  |  | 4 |  |  | 11,584 |  |  | 185 |  |  | 383 |  |  | 12 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 18,192 |  |  | 68 |  |  | 19,668 |  |  | 87 |  |  | 18,338 |  |  | 205 |  |  | 19,372 |  |  | 263 |
Multifamily |  | 24,338 |  |  | 178 |  |  | 35,547 |  |  | 177 |  |  | 24,546 |  |  | 530 |  |  | 35,610 |  |  | 529 |
Consumer |  | 1,248 |  |  | 12 |  |  | 1,264 |  |  | 12 |  |  | 1,253 |  |  | 35 |  |  | 1,259 |  |  | 35 |
Total impaired non-PCI loans |  | $ | 178,661 |  |  | $ | 609 |  |  | $ | 178,116 |  |  | $ | 835 |  |  | $ | 182,317 |  |  | $ | 1,867 |  |  | $ | 179,411 |  |  | $ | 2,622 |
(1) | Includes interest recognized on accruing non-PCI TDRs. Interest payments received on nonaccrual non-PCI loans are reflected as a reduction of principal and not as interest income.
Summary of the activity in the allowance for credit losses | The following table presents a summary of the activity in the allowance for unfunded lending commitments for the three and nine months ended September 30, 2015 and 2014:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
($ in thousands) |  | 2015 |  | 2014 |  | 2015 |  | 2014
Beginning balance |  | $ | 19,741 |  |  | $ | 12,326 |  |  | $ | 12,712 |  |  | $ | 11,282 |
(Reversal of) provision for unfunded lending commitments |  | (698 | ) |  | (623 | ) |  | 6,331 |  |  | 421 |
Charge-offs |  | — |  |  | 145 |  |  | — |  |  | 145 |
Ending balance |  | $ | 19,043 |  |  | $ | 11,558 |  |  | $ | 19,043 |  |  | $ | 11,558 |
The following tables present a summary of the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2015 and 2014:
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |  | PCI Loans |  | Total
Three Months Ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 75,496 |  |  | $ | 133,962 |  |  | $ | 40,668 |  |  | $ | 10,491 |  |  | $ | 260,617 |  |  | $ | 612 |  |  | $ | 261,229 |
Provision for (reversal of) loan losses |  | 2,333 |  |  | 11,221 |  |  | (4,979 | ) |  | (70 | ) |  | 8,505 |  |  | (71 | ) |  | 8,434 |
Charge-offs |  | (135 | ) |  | (7,187 | ) |  | (35 | ) |  | (123 | ) |  | (7,480 | ) |  | — |  |  | (7,480 | )
Recoveries |  | 83 |  |  | 933 |  |  | 1,158 |  |  | 73 |  |  | 2,247 |  |  | — |  |  | 2,247 |
Net (charge-offs) recoveries |  | (52 | ) |  | (6,254 | ) |  | 1,123 |  |  | (50 | ) |  | (5,233 | ) |  | — |  |  | (5,233 | )
Ending balance |  | $ | 77,777 |  |  | $ | 138,929 |  |  | $ | 36,812 |  |  | $ | 10,371 |  |  | $ | 263,889 |  |  | $ | 541 |  |  | $ | 264,430 |
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |  | PCI Loans |  | Total
Three Months Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 60,895 |  |  | $ | 131,057 |  |  | $ | 45,949 |  |  | $ | 11,889 |  |  | $ | 249,790 |  |  | $ | 1,558 |  |  | $ | 251,348 |
Provision for (reversal of) loan losses |  | 69 |  |  | 16,888 |  |  | (839 | ) |  | 574 |  |  | 16,692 |  |  | (844 | ) |  | 15,848 |
Charge-offs |  | (1,548 | ) |  | (16,027 | ) |  | (8 | ) |  | (134 | ) |  | (17,717 | ) |  | — |  |  | (17,717 | )
Recoveries |  | 259 |  |  | 3,342 |  |  | 95 |  |  | 3 |  |  | 3,699 |  |  | — |  |  | 3,699 |
Net (charge-offs) recoveries |  | (1,289 | ) |  | (12,685 | ) |  | 87 |  |  | (131 | ) |  | (14,018 | ) |  | — |  |  | (14,018 | )
Ending balance |  | $ | 59,675 |  |  | $ | 135,260 |  |  | $ | 45,197 |  |  | $ | 12,332 |  |  | $ | 252,464 |  |  | $ | 714 |  |  | $ | 253,178 |
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |  | PCI Loans |  | Total
Nine Months Ended September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 72,263 |  |  | $ | 134,598 |  |  | $ | 43,856 |  |  | $ | 10,248 |  |  | $ | 260,965 |  |  | $ | 714 |  |  | $ | 261,679 |
Provision for (reversal of) loan losses |  | 5,739 |  |  | 13,883 |  |  | (9,868 | ) |  | 305 |  |  | 10,059 |  |  | (173 | ) |  | 9,886 |
Charge-offs |  | (1,486 | ) |  | (16,619 | ) |  | (782 | ) |  | (586 | ) |  | (19,473 | ) |  | — |  |  | (19,473 | )
Recoveries |  | 1,261 |  |  | 7,067 |  |  | 3,606 |  |  | 404 |  |  | 12,338 |  |  | — |  |  | 12,338 |
Net (charge-offs) recoveries |  | (225 | ) |  | (9,552 | ) |  | 2,824 |  |  | (182 | ) |  | (7,135 | ) |  | — |  |  | (7,135 | )
Ending balance |  | $ | 77,777 |  |  | $ | 138,929 |  |  | $ | 36,812 |  |  | $ | 10,371 |  |  | $ | 263,889 |  |  | $ | 541 |  |  | $ | 264,430 |
|  | Non-PCI Loans |  |  |  |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total |  | PCI Loans |  | Total
Nine Months Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 70,154 |  |  | $ | 115,184 |  |  | $ | 50,716 |  |  | $ | 11,352 |  |  | $ | 247,406 |  |  | $ | 2,269 |  |  | $ | 249,675 |
(Reversal of) provision for loan losses |  | (9,354 | ) |  | 44,398 |  |  | (5,462 | ) |  | 1,187 |  |  | 30,769 |  |  | (1,032 | ) |  | 29,737 |
Charge-offs |  | (2,761 | ) |  | (28,971 | ) |  | (352 | ) |  | (217 | ) |  | (32,301 | ) |  | (523 | ) |  | (32,824 | )
Recoveries |  | 1,636 |  |  | 4,649 |  |  | 295 |  |  | 10 |  |  | 6,590 |  |  | — |  |  | 6,590 |
Net charge-offs |  | (1,125 | ) |  | (24,322 | ) |  | (57 | ) |  | (207 | ) |  | (25,711 | ) |  | (523 | ) |  | (26,234 | )
Ending balance |  | $ | 59,675 |  |  | $ | 135,260 |  |  | $ | 45,197 |  |  | $ | 12,332 |  |  | $ | 252,464 |  |  | $ | 714 |  |  | $ | 253,178 |
Allowance for loan losses and recorded investment in total loans receivable by portfolio segment, disaggregated by impairment methodology | The following tables present the Company’s allowance for loan losses and recorded investments in loans by portfolio segment as of September 30, 2015 and December 31, 2014 and disaggregated on the basis of the Company’s impairment methodology:
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
As of September 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,419 |  |  | $ | 20,459 |  |  | $ | 962 |  |  | $ | 59 |  |  | $ | 22,899 |
Collectively evaluated for impairment |  | 76,358 |  |  | 118,470 |  |  | 35,850 |  |  | 10,312 |  |  | 240,990 |
Acquired with deteriorated credit quality |  | 541 |  |  | — |  |  | — |  |  | — |  |  | 541 |
Ending balance |  | $ | 78,318 |  |  | $ | 138,929 |  |  | $ | 36,812 |  |  | $ | 10,371 |  |  | $ | 264,430 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 45,234 |  |  | $ | 86,130 |  |  | $ | 42,325 |  |  | $ | 1,246 |  |  | $ | 174,935 |
Collectively evaluated for impairment |  | 7,081,211 |  |  | 8,467,410 |  |  | 4,077,074 |  |  | 1,808,273 |  |  | 21,433,968 |
Acquired with deteriorated credit quality (1) |  | 583,559 |  |  | 65,616 |  |  | 375,770 |  |  | 25,060 |  |  | 1,050,005 |
Ending balance (1) |  | $ | 7,710,004 |  |  | $ | 8,619,156 |  |  | $ | 4,495,169 |  |  | $ | 1,834,579 |  |  | $ | 22,658,908 |
(1) Loans net of ASC 310-30 discount.
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
As of December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,487 |  |  | $ | 15,202 |  |  | $ | 774 |  |  | $ | 1 |  |  | $ | 19,464 |
Collectively evaluated for impairment |  | 68,776 |  |  | 119,396 |  |  | 43,082 |  |  | 10,247 |  |  | 241,501 |
Acquired with deteriorated credit quality |  | 714 |  |  | — |  |  | — |  |  | — |  |  | 714 |
Ending balance |  | $ | 72,977 |  |  | $ | 134,598 |  |  | $ | 43,856 |  |  | $ | 10,248 |  |  | $ | 261,679 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 66,514 |  |  | $ | 45,145 |  |  | $ | 51,814 |  |  | $ | 1,259 |  |  | $ | 164,732 |
Collectively evaluated for impairment |  | 6,035,702 |  |  | 7,942,436 |  |  | 4,779,465 |  |  | 1,482,697 |  |  | 20,240,300 |
Acquired with deteriorated credit quality (1) |  | 717,297 |  |  | 89,620 |  |  | 485,410 |  |  | 29,786 |  |  | 1,322,113 |
Ending balance (1) |  | $ | 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 | The following table presents the changes in the accretable yield for the PCI loans for the three and nine months ended September 30, 2015 and 2014:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
($ in thousands) |  | 2015 |  | 2014 |  | 2015 |  | 2014
Beginning balance |  | $ | 271,862 |  |  | $ | 392,894 |  |  | $ | 311,688 |  |  | $ | 461,545 |
Addition |  | — |  |  | — |  |  | — |  |  | 6,745 |
Accretion |  | (30,608 | ) |  | (52,524 | ) |  | (84,537 | ) |  | (180,093 | )
Changes in expected cash flows |  | 1,518 |  |  | 11,232 |  |  | 15,621 |  |  | 63,405 |
Ending balance |  | $ | 242,772 |  |  | $ | 351,602 |  |  | $ | 242,772 |  |  | $ | 351,602 |
Summary of the FDIC indemnification asset/net payable to the FDIC | The following table presents a summary of the FDIC indemnification asset/net payable to the FDIC for the three and nine months ended September 30, 2015 and 2014:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
($ in thousands) |  | 2015 |  | 2014 |  | 2015 |  | 2014
Beginning balance |  | $ | (105,054 | ) |  | $ | (24,337 | ) |  | $ | (96,106 | ) |  | $ | 74,708 |
Amortization |  | (709 | ) |  | (28,175 | ) |  | (3,508 | ) |  | (85,968 | )
Reductions (1) |  | (391 | ) |  | (5,676 | ) |  | (1,544 | ) |  | (31,629 | )
Estimate of FDIC repayment (2) |  | 4,685 |  |  | (6,272 | ) |  | (311 | ) |  | (21,571 | )
Ending balance |  | $ | (101,469 | ) |  | $ | (64,460 | ) |  | $ | (101,469 | ) |  | $ | (64,460 | )
(1) | Reductions relate to charge-offs, partial prepayments, loan payoffs and loan sales which result in a corresponding reduction of the indemnification asset.
(2) | 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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