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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2016
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 June 30, 2016 and December 31, 2015:
($ in thousands) |  | June 30, 2016 |  | December 31, 2015
| Non-PCI Loans |  | PCI Loans (1) |  | Total (1) |  | Non-PCI Loans |  | PCI Loans (1) |  | Total (1)
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 7,364,321 |  |  | $ | 448,412 |  |  | $ | 7,812,733 |  |  | $ | 6,937,199 |  |  | $ | 541,275 |  |  | $ | 7,478,474 |
Construction |  | 522,967 |  |  | — |  |  | 522,967 |  |  | 436,776 |  |  | 1,895 |  |  | 438,671 |
Land |  | 138,342 |  |  | 2,640 |  |  | 140,982 |  |  | 187,409 |  |  | 6,195 |  |  | 193,604 |
Total CRE |  | 8,025,630 |  |  | 451,052 |  |  | 8,476,682 |  |  | 7,561,384 |  |  | 549,365 |  |  | 8,110,749 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 8,402,526 |  |  | 46,610 |  |  | 8,449,136 |  |  | 8,155,991 |  |  | 57,906 |  |  | 8,213,897 |
Trade finance |  | 714,656 |  |  | 12 |  |  | 714,668 |  |  | 787,800 |  |  | 1,310 |  |  | 789,110 |
Total C&I |  | 9,117,182 |  |  | 46,622 |  |  | 9,163,804 |  |  | 8,943,791 |  |  | 59,216 |  |  | 9,003,007 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,027,217 |  |  | 158,814 |  |  | 3,186,031 |  |  | 2,877,286 |  |  | 189,633 |  |  | 3,066,919 |
Multifamily |  | 1,230,358 |  |  | 115,911 |  |  | 1,346,269 |  |  | 1,374,718 |  |  | 148,277 |  |  | 1,522,995 |
Total residential |  | 4,257,575 |  |  | 274,725 |  |  | 4,532,300 |  |  | 4,252,004 |  |  | 337,910 |  |  | 4,589,914 |
Consumer |  | 2,041,786 |  |  | 21,644 |  |  | 2,063,430 |  |  | 1,931,828 |  |  | 24,263 |  |  | 1,956,091 |
Total loans |  | $ | 23,442,173 |  |  | $ | 794,043 |  |  | $ | 24,236,216 |  |  | $ | 22,689,007 |  |  | $ | 970,754 |  |  | $ | 23,659,761 |
Unearned fees, premiums, and discounts, net |  | 151 |  |  | — |  |  | 151 |  |  | (16,013 | ) |  | — |  |  | (16,013 | )
Allowance for loan losses |  | (266,511 | ) |  | (257 | ) |  | (266,768 | ) |  | (264,600 | ) |  | (359 | ) |  | (264,959 | )
Loans, net |  | $ | 23,175,813 |  |  | $ | 793,786 |  |  | $ | 23,969,599 |  |  | $ | 22,408,394 |  |  | $ | 970,395 |  |  | $ | 23,378,789 |
(1) | Loans net of ASC 310-30 discount.
Summary of credit risk rating for non-PCI and PCI loans by portfolio segment | The following tables present the credit risk rating for non-PCI loans by portfolio segment as of June 30, 2016 and December 31, 2015:
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-PCI Loans
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 7,086,172 |  |  | $ | 51,802 |  |  | $ | 226,347 |  |  | $ | — |  |  | $ | 7,364,321 |
Construction |  | 519,345 |  |  | 3,622 |  |  | — |  |  | — |  |  | 522,967 |
Land |  | 124,379 |  |  | — |  |  | 13,953 |  |  | 10 |  |  | 138,342 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 7,998,058 |  |  | 139,189 |  |  | 234,391 |  |  | 30,888 |  |  | 8,402,526 |
Trade finance |  | 688,080 |  |  | 1,600 |  |  | 21,271 |  |  | 3,705 |  |  | 714,656 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 3,002,316 |  |  | 7,035 |  |  | 17,866 |  |  | — |  |  | 3,027,217 |
Multifamily |  | 1,177,818 |  |  | — |  |  | 52,540 |  |  | — |  |  | 1,230,358 |
Consumer |  | 2,032,848 |  |  | 3,728 |  |  | 5,210 |  |  | — |  |  | 2,041,786 |
Total |  | $ | 22,629,016 |  |  | $ | 206,976 |  |  | $ | 571,578 |  |  | $ | 34,603 |  |  | $ | 23,442,173 |
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-PCI Loans
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 6,672,951 |  |  | $ | 59,309 |  |  | $ | 204,939 |  |  | $ | — |  |  | $ | 6,937,199 |
Construction |  | 435,112 |  |  | 1,194 |  |  | 470 |  |  | — |  |  | 436,776 |
Land |  | 172,189 |  |  | — |  |  | 15,220 |  |  | — |  |  | 187,409 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 7,794,735 |  |  | 201,280 |  |  | 135,449 |  |  | 24,527 |  |  | 8,155,991 |
Trade finance |  | 750,144 |  |  | 13,812 |  |  | 23,844 |  |  | — |  |  | 787,800 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 2,841,722 |  |  | 8,134 |  |  | 27,430 |  |  | — |  |  | 2,877,286 |
Multifamily |  | 1,317,550 |  |  | 2,918 |  |  | 54,250 |  |  | — |  |  | 1,374,718 |
Consumer |  | 1,926,418 |  |  | 883 |  |  | 4,527 |  |  | — |  |  | 1,931,828 |
Total |  | $ | 21,910,821 |  |  | $ | 287,530 |  |  | $ | 466,129 |  |  | $ | 24,527 |  |  | $ | 22,689,007 |
The following tables present the credit risk rating for PCI loans by portfolio segment as of June 30, 2016 and December 31, 2015:
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Total PCI Loans
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 363,469 |  |  | $ | 10,866 |  |  | $ | 74,077 |  |  | $ | 448,412 |
Construction |  | — |  |  | — |  |  | — |  |  | — |
Land |  | 2,248 |  |  | — |  |  | 392 |  |  | 2,640 |
C&I: |  |  |  |  |  |  |  |
Commercial business |  | 37,284 |  |  | 4,648 |  |  | 4,678 |  |  | 46,610 |
Trade finance |  | 12 |  |  | — |  |  | — |  |  | 12 |
Residential: |  |  |  |  |  |  |  |  |
Single-family |  | 155,941 |  |  | 1,227 |  |  | 1,646 |  |  | 158,814 |
Multifamily |  | 99,886 |  |  | — |  |  | 16,025 |  |  | 115,911 |
Consumer |  | 20,266 |  |  | 452 |  |  | 926 |  |  | 21,644 |
Total (1) |  | $ | 679,106 |  |  | $ | 17,193 |  |  | $ | 97,744 |  |  | $ | 794,043 |
($ in thousands) |  | Pass/Watch |  | Special Mention |  | Substandard |  | Total PCI Loans
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 440,100 |  |  | $ | 4,987 |  |  | $ | 96,188 |  |  | $ | 541,275 |
Construction |  | — |  |  | — |  |  | 1,895 |  |  | 1,895 |
Land |  | 4,285 |  |  | — |  |  | 1,910 |  |  | 6,195 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 52,212 |  |  | 819 |  |  | 4,875 |  |  | 57,906 |
Trade finance |  | 1,310 |  |  | — |  |  | — |  |  | 1,310 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 184,092 |  |  | 1,293 |  |  | 4,248 |  |  | 189,633 |
Multifamily |  | 130,770 |  |  | — |  |  | 17,507 |  |  | 148,277 |
Consumer |  | 23,121 |  |  | 452 |  |  | 690 |  |  | 24,263 |
Total (1) |  | $ | 835,890 |  |  | $ | 7,551 |  |  | $ | 127,313 |  |  | $ | 970,754 |
(1) | Loans net of ASC 310-30 discount.
Schedule of aging analysis on non-PCI loans | The following tables present the aging analysis on non-PCI loans as of June 30, 2016 and December 31, 2015:
($ 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
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 3,557 |  |  | $ | 2,992 |  |  | $ | 6,549 |  |  | $ | 17,860 |  |  | $ | 41,390 |  |  | $ | 59,250 |  |  | $ | 7,298,522 |  |  | $ | 7,364,321 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 522,967 |  |  | 522,967 |
Land |  | 3,340 |  |  | 630 |  |  | 3,970 |  |  | 5,779 |  |  | 10 |  |  | 5,789 |  |  | 128,583 |  |  | 138,342 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 4,455 |  |  | 426 |  |  | 4,881 |  |  | 54,516 |  |  | 19,411 |  |  | 73,927 |  |  | 8,323,718 |  |  | 8,402,526 |
Trade finance |  | — |  |  | — |  |  | — |  |  | 4,734 |  |  | 3,705 |  |  | 8,439 |  |  | 706,217 |  |  | 714,656 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 5,038 |  |  | 3,264 |  |  | 8,302 |  |  | 2,378 |  |  | 2,739 |  |  | 5,117 |  |  | 3,013,798 |  |  | 3,027,217 |
Multifamily |  | 4,328 |  |  | 337 |  |  | 4,665 |  |  | 6,474 |  |  | 10,845 |  |  | 17,319 |  |  | 1,208,374 |  |  | 1,230,358 |
Consumer |  | 5,189 |  |  | 2,261 |  |  | 7,450 |  |  | 131 |  |  | 1,608 |  |  | 1,739 |  |  | 2,032,597 |  |  | 2,041,786 |
Total |  | $ | 25,907 |  |  | $ | 9,910 |  |  | $ | 35,817 |  |  | $ | 91,872 |  |  | $ | 79,708 |  |  | $ | 171,580 |  |  | $ | 23,234,776 |  |  | $ | 23,442,173 |
($ 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, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 3,465 |  |  | $ | 25,256 |  |  | $ | 28,721 |  |  | $ | 11,359 |  |  | $ | 17,870 |  |  | $ | 29,229 |  |  | $ | 6,879,249 |  |  | $ | 6,937,199 |
Construction |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | 14 |  |  | 436,762 |  |  | 436,776 |
Land |  | 1,124 |  |  | — |  |  | 1,124 |  |  | 277 |  |  | 406 |  |  | 683 |  |  | 185,602 |  |  | 187,409 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1,992 |  |  | 1,185 |  |  | 3,177 |  |  | 50,726 |  |  | 14,009 |  |  | 64,735 |  |  | 8,088,079 |  |  | 8,155,991 |
Trade finance |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 787,800 |  |  | 787,800 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 7,657 |  |  | 2,927 |  |  | 10,584 |  |  | 92 |  |  | 8,634 |  |  | 8,726 |  |  | 2,857,976 |  |  | 2,877,286 |
Multifamily |  | 6,320 |  |  | 981 |  |  | 7,301 |  |  | 6,486 |  |  | 9,758 |  |  | 16,244 |  |  | 1,351,173 |  |  | 1,374,718 |
Consumer |  | 2,078 |  |  | 209 |  |  | 2,287 |  |  | 233 |  |  | 1,505 |  |  | 1,738 |  |  | 1,927,803 |  |  | 1,931,828 |
Total |  | $ | 22,636 |  |  | $ | 30,558 |  |  | $ | 53,194 |  |  | $ | 69,187 |  |  | $ | 52,182 |  |  | $ | 121,369 |  |  | $ | 22,514,444 |  |  | $ | 22,689,007 |
Summary of additions and modifications to non-PCI troubled debt restructurings | The following table presents information for loans modified as TDRs within the previous 12 months that have subsequently defaulted during the six months ended June 30, 2016 and 2015, and are still in default at period end:
|  | Loans Modified as TDRs that Subsequently Defaulted During the Six Months Ended June 30,
|  | 2016 |  | 2015
($ in thousands) |  | Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
C&I: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 3 |  |  | $ | 568 |  |  | — |  |  | $ | — |
The following tables present the additions to non-PCI TDRs for the three and six months ended June 30, 2016 and 2015:
|  | Loans Modified as TDRs During the Three Months Ended June 30,
($ in thousands) |  | 2016 |  | 2015
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2) |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 2 |  | $ | 2,152 |  |  | $ | 2,150 |  |  | $ | 43 |  |  | — |  | $ | — |  |  | $ | — |  |  | $ | — |
Land |  | 1 |  | $ | 5,522 |  |  | $ | 5,279 |  |  | $ | — |  |  | 1 |  | $ | 171 |  |  | $ | 100 |  |  | $ | 102 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 1 |  | $ | 75 |  |  | $ | 75 |  |  | $ | 12 |  |  | 12 |  | $ | 37,924 |  |  | $ | 38,117 |  |  | $ | 5,465 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 1 |  | $ | 795 |  |  | $ | 795 |  |  | $ | — |  |  | — |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | Loans Modified as TDRs During the Six Months Ended June 30,
($ in thousands) |  | 2016 |  | 2015
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2) |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | 3 |  | $ | 15,899 |  |  | $ | 15,802 |  |  | $ | 43 |  |  | 1 |  | $ | 828 |  |  | $ | 818 |  |  | $ | — |
Land |  | 1 |  | $ | 5,522 |  |  | $ | 5,279 |  |  | $ | — |  |  | 1 |  | $ | 171 |  |  | $ | 100 |  |  | $ | 102 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 5 |  | $ | 21,689 |  |  | $ | 15,842 |  |  | $ | 2,618 |  |  | 13 |  | $ | 38,090 |  |  | $ | 38,280 |  |  | $ | 5,497 |
Trade finance |  | 2 |  | $ | 7,901 |  |  | $ | 9,256 |  |  | $ | — |  |  | — |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 2 |  | $ | 1,071 |  |  | $ | 1,064 |  |  | $ | — |  |  | 1 |  | $ | 281 |  |  | $ | 281 |  |  | $ | 2 |
Consumer: |  | 1 |  | $ | 344 |  |  | $ | 338 |  |  | $ | 1 |  |  | — |  | $ | — |  |  | $ | — |  |  | $ | — |
(1) | Includes subsequent payments after modification and reflects the balance as of June 30, 2016 and 2015.
(2) | The financial impact includes charge-offs and specific reserves recorded at the modification date.
The following tables present the non-PCI TDR modifications for the three and six months ended June 30, 2016 and 2015 by modification type:
($ in thousands) |  | Modification Type
| 2016 |  | 2015
| Principal (1) |  | Interest Rate Reduction |  | Other |  | Total |  | Principal (1) |  | Principal and Interest (2) |  | Interest Deferments |  | Other |  | Total
Three Months Ended June 30, |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE |  | $ | 6,275 |  |  | $ | — |  |  | $ | 1,154 |  |  | $ | 7,429 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 100 |  |  | $ | 100 |
C&I |  | 75 |  |  | — |  |  | — |  |  | 75 |  |  | 13,488 |  |  | 18,629 |  |  | 6,000 |  |  | — |  |  | 38,117 |
Residential |  | — |  |  | 795 |  |  | — |  |  | 795 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 6,350 |  |  | $ | 795 |  |  | $ | 1,154 |  |  | $ | 8,299 |  |  | $ | 13,488 |  |  | $ | 18,629 |  |  | $ | 6,000 |  |  | $ | 100 |  |  | $ | 38,217 |
($ in thousands) |  | Modification Type
| 2016 |  | 2015
| Principal (1) |  | Interest Rate Reduction |  | Other |  | Total |  | Principal (1) |  | Principal and Interest (2) |  | Interest Deferments |  | Other |  | Total
Six Months Ended June 30, |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE |  | $ | 19,927 |  |  | $ | — |  |  | $ | 1,154 |  |  | $ | 21,081 |  |  | $ | — |  |  | $ | 818 |  |  | $ | — |  |  | $ | 100 |  |  | $ | 918 |
C&I |  | 18,589 |  |  | 1,986 |  |  | 4,523 |  |  | 25,098 |  |  | 13,651 |  |  | 18,629 |  |  | 6,000 |  |  | — |  |  | 38,280 |
Residential |  | 269 |  |  | 795 |  |  | — |  |  | 1,064 |  |  | 281 |  |  | — |  |  | — |  |  | — |  |  | 281 |
Consumer |  | 338 |  |  | — |  |  | — |  |  | 338 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 39,123 |  |  | $ | 2,781 |  |  | $ | 5,677 |  |  | $ | 47,581 |  |  | $ | 13,932 |  |  | $ | 19,447 |  |  | $ | 6,000 |  |  | $ | 100 |  |  | $ | 39,479 |
(1) | Principal modification includes forbearance payments, term extensions and principal deferments that modify the terms of the loan from principal and interest payments to interest payments only.
(2) | Principal and interest modification includes principal and interest deferments or reductions.
Summary of non-PCI impaired loans | The following tables present information on impaired non-PCI loans as of June 30, 2016 and December 31, 2015:
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 86,401 |  |  | $ | 59,990 |  |  | $ | 17,763 |  |  | $ | 77,753 |  |  | $ | 464 |
Land |  | 6,910 |  |  | 5,279 |  |  | 1,114 |  |  | 6,393 |  |  | 74 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 115,023 |  |  | 32,444 |  |  | 65,559 |  |  | 98,003 |  |  | 21,260 |
Trade finance |  | 13,158 |  |  | 9,256 |  |  | 3,775 |  |  | 13,031 |  |  | 22 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 14,154 |  |  | 2,378 |  |  | 10,294 |  |  | 12,672 |  |  | 378 |
Multifamily |  | 26,606 |  |  | 18,375 |  |  | 6,313 |  |  | 24,688 |  |  | 271 |
Consumer |  | 1,577 |  |  | — |  |  | 1,577 |  |  | 1,577 |  |  | 45 |
Total |  | $ | 263,829 |  |  | $ | 127,722 |  |  | $ | 106,395 |  |  | $ | 234,117 |  |  | $ | 22,514 |
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income producing |  | $ | 47,043 |  |  | $ | 24,347 |  |  | $ | 15,720 |  |  | $ | 40,067 |  |  | $ | 3,148 |
Construction |  | 66 |  |  | — |  |  | 14 |  |  | 14 |  |  | 1 |
Land |  | 1,537 |  |  | 632 |  |  | 683 |  |  | 1,315 |  |  | 118 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 81,720 |  |  | 31,045 |  |  | 40,111 |  |  | 71,156 |  |  | 15,993 |
Trade finance |  | 10,675 |  |  | — |  |  | 10,675 |  |  | 10,675 |  |  | 95 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 16,486 |  |  | 4,401 |  |  | 10,611 |  |  | 15,012 |  |  | 584 |
Multifamily |  | 25,634 |  |  | 16,944 |  |  | 6,783 |  |  | 23,727 |  |  | 339 |
Consumer |  | 1,240 |  |  | — |  |  | 1,240 |  |  | 1,240 |  |  | 60 |
Total |  | $ | 184,401 |  |  | $ | 77,369 |  |  | $ | 85,837 |  |  | $ | 163,206 |  |  | $ | 20,338 |
Schedule of the average recorded investment and interest income recognized on non-PCI impaired loans | The following table presents the average recorded investment and interest income recognized on non-PCI impaired loans during the three and six months ended June 30, 2016 and 2015:
($ in thousands) |  | Three Months Ended June 30, |  | Six Months Ended June 30,
| 2016 |  | 2015 |  | 2016 |  | 2015
| 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 |  | $ | 78,623 |  |  | $ | 404 |  |  | $ | 46,042 |  |  | $ | 134 |  |  | $ | 79,549 |  |  | $ | 816 |  |  | $ | 46,897 |  |  | $ | 268 |
Construction |  | — |  |  | — |  |  | 14 |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |
Land |  | 6,690 |  |  | 8 |  |  | 5,876 |  |  | 10 |  |  | 6,859 |  |  | 17 |  |  | 5,951 |  |  | 20 |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | 100,124 |  |  | 270 |  |  | 73,306 |  |  | 761 |  |  | 100,308 |  |  | 530 |  |  | 71,644 |  |  | 1,550 |
Trade finance |  | 12,716 |  |  | 67 |  |  | 11,623 |  |  | 51 |  |  | 13,514 |  |  | 133 |  |  | 11,739 |  |  | 134 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family |  | 12,713 |  |  | 74 |  |  | 15,595 |  |  | 68 |  |  | 12,797 |  |  | 148 |  |  | 15,658 |  |  | 137 |
Multifamily |  | 24,836 |  |  | 77 |  |  | 23,690 |  |  | 190 |  |  | 25,045 |  |  | 154 |  |  | 23,757 |  |  | 379 |
Consumer |  | 1,582 |  |  | 16 |  |  | 1,256 |  |  | 12 |  |  | 1,586 |  |  | 31 |  |  | 1,258 |  |  | 23 |
Total impaired non-PCI loans |  | $ | 237,284 |  |  | $ | 916 |  |  | $ | 177,402 |  |  | $ | 1,226 |  |  | $ | 239,658 |  |  | $ | 1,829 |  |  | $ | 176,918 |  |  | $ | 2,511 |
(1) | Includes interest recognized on accruing non-PCI TDRs. Interest payments received on nonaccrual non-PCI loans are reflected as a reduction to principal and not as interest income.
Summary of the activity in the allowance for credit losses by portfolio segment | The following tables present a summary of activities in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2016 and 2015:
($ in thousands) |  | Non-PCI Loans |  | PCI Loans |  | Total
| CRE |  | C&I |  | Residential |  | Consumer |  | Total |  |
Three Months Ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 82,538 |  |  | $ | 134,077 |  |  | $ | 33,935 |  |  | $ | 9,360 |  |  | $ | 259,910 |  |  | $ | 328 |  |  | $ | 260,238 |
(Reversal of) provision for loan losses |  | (4,439 | ) |  | 15,347 |  |  | (2,671 | ) |  | (1,017 | ) |  | 7,220 |  |  | (71 | ) |  | 7,149 |
Charge-offs |  | (139 | ) |  | (2,214 | ) |  | — |  |  | (3 | ) |  | (2,356 | ) |  | — |  |  | (2,356 | )
Recoveries |  | 142 |  |  | 1,217 |  |  | 297 |  |  | 81 |  |  | 1,737 |  |  | — |  |  | 1,737 |
Net recoveries (charge-offs) |  | 3 |  |  | (997 | ) |  | 297 |  |  | 78 |  |  | (619 | ) |  | — |  |  | (619 | )
Ending balance |  | $ | 78,102 |  |  | $ | 148,427 |  |  | $ | 31,561 |  |  | $ | 8,421 |  |  | $ | 266,511 |  |  | $ | 257 |  |  | $ | 266,768 |
($ in thousands) |  | Non-PCI Loans |  | PCI Loans |  | Total
| CRE |  | C&I |  | Residential |  | Consumer |  | Total |  |
Three Months Ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 69,740 |  |  | $ | 133,914 |  |  | $ | 42,990 |  |  | $ | 10,451 |  |  | $ | 257,095 |  |  | $ | 643 |  |  | $ | 257,738 |
Provision for (reversal of) loan losses |  | 5,739 |  |  | (2,716 | ) |  | (3,318 | ) |  | (289 | ) |  | (584 | ) |  | (31 | ) |  | (615 | )
Charge-offs |  | (348 | ) |  | (2,843 | ) |  | (1 | ) |  | — |  |  | (3,192 | ) |  | — |  |  | (3,192 | )
Recoveries |  | 365 |  |  | 5,607 |  |  | 997 |  |  | 329 |  |  | 7,298 |  |  | — |  |  | 7,298 |
Net recoveries |  | 17 |  |  | 2,764 |  |  | 996 |  |  | 329 |  |  | 4,106 |  |  | — |  |  | 4,106 |
Ending balance |  | $ | 75,496 |  |  | $ | 133,962 |  |  | $ | 40,668 |  |  | $ | 10,491 |  |  | $ | 260,617 |  |  | $ | 612 |  |  | $ | 261,229 |
($ in thousands) |  | Non-PCI Loans |  | PCI Loans |  |
| CRE |  | C&I |  | Residential |  | Consumer |  | Total |  |  | Total
Six Months Ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 81,191 |  |  | $ | 134,597 |  |  | $ | 39,292 |  |  | $ | 9,520 |  |  | $ | 264,600 |  |  | $ | 359 |  |  | $ | 264,959 |
(Reversal of) provision for loan losses |  | (3,133 | ) |  | 20,001 |  |  | (7,988 | ) |  | (1,243 | ) |  | 7,637 |  |  | (102 | ) |  | 7,535 |
Charge-offs |  | (195 | ) |  | (8,074 | ) |  | (137 | ) |  | (4 | ) |  | (8,410 | ) |  | — |  |  | (8,410 | )
Recoveries |  | 239 |  |  | 1,903 |  |  | 394 |  |  | 148 |  |  | 2,684 |  |  | — |  |  | 2,684 |
Net recoveries (charge-offs) |  | 44 |  |  | (6,171 | ) |  | 257 |  |  | 144 |  |  | (5,726 | ) |  | — |  |  | (5,726 | )
Ending balance |  | $ | 78,102 |  |  | $ | 148,427 |  |  | $ | 31,561 |  |  | $ | 8,421 |  |  | $ | 266,511 |  |  | $ | 257 |  |  | $ | 266,768 |
($ in thousands) |  | Non-PCI Loans |  | PCI Loans |  | Total
| CRE |  | C&I |  | Residential |  | Consumer |  | Total |  |
Six Months Ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 72,263 |  |  | $ | 134,598 |  |  | $ | 43,856 |  |  | $ | 10,248 |  |  | $ | 260,965 |  |  | $ | 714 |  |  | $ | 261,679 |
Provision for (reversal of) loan losses |  | 3,406 |  |  | 2,662 |  |  | (4,889 | ) |  | 375 |  |  | 1,554 |  |  | (102 | ) |  | 1,452 |
Charge-offs |  | (1,350 | ) |  | (9,432 | ) |  | (747 | ) |  | (463 | ) |  | (11,992 | ) |  | — |  |  | (11,992 | )
Recoveries |  | 1,177 |  |  | 6,134 |  |  | 2,448 |  |  | 331 |  |  | 10,090 |  |  | — |  |  | 10,090 |
Net (charge-offs) recoveries |  | (173 | ) |  | (3,298 | ) |  | 1,701 |  |  | (132 | ) |  | (1,902 | ) |  | — |  |  | (1,902 | )
Ending balance |  | $ | 75,496 |  |  | $ | 133,962 |  |  | $ | 40,668 |  |  | $ | 10,491 |  |  | $ | 260,617 |  |  | $ | 612 |  |  | $ | 261,229 |
For further information on accounting policies and the methodology used to estimate the allowance for credit losses and loan charge-offs, please see Note 1 — Summary of Significant Accounting Policies to the Consolidated Financial Statements of the Company’s 2015 Form 10-K. The following table presents a summary of activities in the allowance for unfunded credit reserves during the three and six months ended June 30, 2016 and 2015:
($ in thousands) |  | Three Months Ended June 30, |  | Six Months Ended June 30,
| 2016 |  | 2015 |  | 2016 |  | 2015
Beginning balance |  | $ | 21,414 |  |  | $ | 15,632 |  |  | $ | 20,360 |  |  | $ | 12,712 |
(Reversal of) provision for unfunded lending commitments |  | (1,096 | ) |  | 4,109 |  |  | (42 | ) |  | 7,029 |
Ending balance |  | $ | 20,318 |  |  | $ | 19,741 |  |  | $ | 20,318 |  |  | $ | 19,741 |
Summary of allowance for loan losses and recorded investment by portfolio segment and impairment methodology | The following tables present the Company’s allowance for loan losses and recorded investments by portfolio segment and impairment methodology as of June 30, 2016 and December 31, 2015:
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
As of June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 538 |  |  | $ | 21,282 |  |  | $ | 649 |  |  | $ | 45 |  |  | $ | 22,514 |
Collectively evaluated for impairment |  | 77,564 |  |  | 127,145 |  |  | 30,912 |  |  | 8,376 |  |  | 243,997 |
Acquired with deteriorated credit quality |  | 243 |  |  | 8 |  |  | 6 |  |  | — |  |  | 257 |
Ending balance |  | $ | 78,345 |  |  | $ | 148,435 |  |  | $ | 31,567 |  |  | $ | 8,421 |  |  | $ | 266,768 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 84,146 |  |  | $ | 111,034 |  |  | $ | 37,360 |  |  | $ | 1,577 |  |  | $ | 234,117 |
Collectively evaluated for impairment |  | 7,941,484 |  |  | 9,006,148 |  |  | 4,220,215 |  |  | 2,040,209 |  |  | 23,208,056 |
Acquired with deteriorated credit quality (1) |  | 451,052 |  |  | 46,622 |  |  | 274,725 |  |  | 21,644 |  |  | 794,043 |
Ending balance (1) |  | $ | 8,476,682 |  |  | $ | 9,163,804 |  |  | $ | 4,532,300 |  |  | $ | 2,063,430 |  |  | $ | 24,236,216 |
($ in thousands) |  | CRE |  | C&I |  | Residential |  | Consumer |  | Total
As of December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 3,267 |  |  | $ | 16,088 |  |  | $ | 923 |  |  | $ | 60 |  |  | $ | 20,338 |
Collectively evaluated for impairment |  | 77,924 |  |  | 118,509 |  |  | 38,369 |  |  | 9,460 |  |  | 244,262 |
Acquired with deteriorated credit quality |  | 347 |  |  | 9 |  |  | 3 |  |  | — |  |  | 359 |
Ending balance |  | $ | 81,538 |  |  | $ | 134,606 |  |  | $ | 39,295 |  |  | $ | 9,520 |  |  | $ | 264,959 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 41,396 |  |  | $ | 81,831 |  |  | $ | 38,739 |  |  | $ | 1,240 |  |  | $ | 163,206 |
Collectively evaluated for impairment |  | 7,519,988 |  |  | 8,861,960 |  |  | 4,213,265 |  |  | 1,930,588 |  |  | 22,525,801 |
Acquired with deteriorated credit quality (1) |  | 549,365 |  |  | 59,216 |  |  | 337,910 |  |  | 24,263 |  |  | 970,754 |
Ending balance (1) |  | $ | 8,110,749 |  |  | $ | 9,003,007 |  |  | $ | 4,589,914 |  |  | $ | 1,956,091 |  |  | $ | 23,659,761 |
(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 accretable yield for PCI loans for the three and six months ended June 30, 2016 and 2015:
($ in thousands) |  | Three Months Ended June 30, |  | Six Months Ended June 30,
| 2016 |  | 2015 |  | 2016 |  | 2015
Beginning balance |  | $ | 185,991 |  |  | $ | 293,155 |  |  | $ | 214,907 |  |  | $ | 311,688 |
Accretion |  | (16,254 | ) |  | (23,359 | ) |  | (38,683 | ) |  | (53,928 | )
Changes in expected cash flows |  | (2,960 | ) |  | 2,066 |  |  | (9,447 | ) |  | 14,102 |
Ending balance |  | $ | 166,777 |  |  | $ | 271,862 |  |  | $ | 166,777 |  |  | $ | 271,862 |

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