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Loans Receivable and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2018
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of composition of non-PCI and PCI loans | The following table presents the composition of the Company’s non-PCI and PCI loans as of March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018 |  | December 31, 2017
| Non-PCI Loans (1) |  | PCI Loans (2) |  | Total (1)(2) |  | Non-PCI Loans (1) |  | PCI Loans (2) |  | Total (1)(2)
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 10,807,262 |  |  | $ | 11,042 |  |  | $ | 10,818,304 |  |  | $ | 10,685,436 |  |  | $ | 11,795 |  |  | $ | 10,697,231 |
CRE |  | 8,762,910 |  |  | 259,836 |  |  | 9,022,746 |  |  | 8,659,209 |  |  | 277,688 |  |  | 8,936,897 |
Multifamily residential |  | 1,898,517 |  |  | 56,338 |  |  | 1,954,855 |  |  | 1,855,128 |  |  | 61,048 |  |  | 1,916,176 |
Construction and land |  | 669,296 |  |  | 44 |  |  | 669,340 |  |  | 659,326 |  |  | 371 |  |  | 659,697 |
Total commercial lending |  | 22,137,985 |  |  | 327,260 |  |  | 22,465,245 |  |  | 21,859,099 |  |  | 350,902 |  |  | 22,210,001 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 4,818,094 |  |  | 112,486 |  |  | 4,930,580 |  |  | 4,528,911 |  |  | 117,378 |  |  | 4,646,289 |
Home equity lines of credit (“HELOCs”) |  | 1,762,786 |  |  | 12,657 |  |  | 1,775,443 |  |  | 1,768,917 |  |  | 14,007 |  |  | 1,782,924 |
Other consumer |  | 383,980 |  |  | — |  |  | 383,980 |  |  | 336,504 |  |  | — |  |  | 336,504 |
Total consumer lending |  | 6,964,860 |  |  | 125,143 |  |  | 7,090,003 |  |  | 6,634,332 |  |  | 131,385 |  |  | 6,765,717 |
Total loans held-for-investment |  | $ | 29,102,845 |  |  | $ | 452,403 |  |  | $ | 29,555,248 |  |  | $ | 28,493,431 |  |  | $ | 482,287 |  |  | $ | 28,975,718 |
Allowance for loan losses |  | (297,607 | ) |  | (47 | ) |  | (297,654 | ) |  | (287,070 | ) |  | (58 | ) |  | (287,128 | )
Loans held-for-investment, net |  | $ | 28,805,238 |  |  | $ | 452,356 |  |  | $ | 29,257,594 |  |  | $ | 28,206,361 |  |  | $ | 482,229 |  |  | $ | 28,688,590 |
(1) | Includes net deferred loan fees, unearned fees, unamortized premiums and unaccreted discounts of $(36.6) million and $(34.0) million as of March 31, 2018 and December 31, 2017, respectively.
(2) | Includes ASC 310-30 discount of $32.2 million and $35.3 million as of March 31, 2018 and December 31, 2017, respectively.
Summary of credit risk rating for non-PCI and PCI loans by portfolio segment | The following tables present the credit risk ratings for non-PCI loans by portfolio segment as of March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018
| Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-PCI Loans
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 10,464,618 |  |  | $ | 164,161 |  |  | $ | 150,565 |  |  | $ | 27,918 |  |  | $ | 10,807,262 |
CRE |  | 8,614,575 |  |  | 41,942 |  |  | 106,393 |  |  | — |  |  | 8,762,910 |
Multifamily residential |  | 1,884,434 |  |  | — |  |  | 14,083 |  |  | — |  |  | 1,898,517 |
Construction and land |  | 614,481 |  |  | 684 |  |  | 54,131 |  |  | — |  |  | 669,296 |
Total commercial lending |  | 21,578,108 |  |  | 206,787 |  |  | 325,172 |  |  | 27,918 |  |  | 22,137,985 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 4,803,472 |  |  | 7,563 |  |  | 7,059 |  |  | — |  |  | 4,818,094 |
HELOCs |  | 1,753,398 |  |  | 2,451 |  |  | 6,937 |  |  | — |  |  | 1,762,786 |
Other consumer |  | 381,487 |  |  | 2 |  |  | 2,491 |  |  | — |  |  | 383,980 |
Total consumer lending |  | 6,938,357 |  |  | 10,016 |  |  | 16,487 |  |  | — |  |  | 6,964,860 |
Total |  | $ | 28,516,465 |  |  | $ | 216,803 |  |  | $ | 341,659 |  |  | $ | 27,918 |  |  | $ | 29,102,845 |
($ in thousands) |  | December 31, 2017
| Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-PCI Loans
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 10,369,516 |  |  | $ | 114,769 |  |  | $ | 180,269 |  |  | $ | 20,882 |  |  | $ | 10,685,436 |
CRE |  | 8,484,635 |  |  | 65,616 |  |  | 108,958 |  |  | — |  |  | 8,659,209 |
Multifamily residential |  | 1,839,958 |  |  | — |  |  | 15,170 |  |  | — |  |  | 1,855,128 |
Construction and land |  | 614,441 |  |  | 4,590 |  |  | 40,295 |  |  | — |  |  | 659,326 |
Total commercial lending |  | 21,308,550 |  |  | 184,975 |  |  | 344,692 |  |  | 20,882 |  |  | 21,859,099 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 4,490,672 |  |  | 16,504 |  |  | 21,735 |  |  | — |  |  | 4,528,911 |
HELOCs |  | 1,744,903 |  |  | 11,900 |  |  | 12,114 |  |  | — |  |  | 1,768,917 |
Other consumer |  | 333,895 |  |  | 111 |  |  | 2,498 |  |  | — |  |  | 336,504 |
Total consumer lending |  | 6,569,470 |  |  | 28,515 |  |  | 36,347 |  |  | — |  |  | 6,634,332 |
Total |  | $ | 27,878,020 |  |  | $ | 213,490 |  |  | $ | 381,039 |  |  | $ | 20,882 |  |  | $ | 28,493,431 |
The following tables present the credit risk ratings for PCI loans by portfolio segment as of March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018
| Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total PCI Loans
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 10,071 |  |  | $ | 23 |  |  | $ | 948 |  |  | $ | — |  |  | $ | 11,042 |
CRE |  | 219,255 |  |  | 2,525 |  |  | 38,056 |  |  | — |  |  | 259,836 |
Multifamily residential |  | 52,426 |  |  | — |  |  | 3,912 |  |  | — |  |  | 56,338 |
Construction and land |  | 44 |  |  | — |  |  | — |  |  | — |  |  | 44 |
Total commercial lending |  | 281,796 |  |  | 2,548 |  |  | 42,916 |  |  | — |  |  | 327,260 |
Consumer lending: |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 111,567 |  |  | 748 |  |  | 171 |  |  | — |  |  | 112,486 |
HELOCs |  | 12,435 |  |  | 212 |  |  | 10 |  |  | — |  |  | 12,657 |
Total consumer lending |  | 124,002 |  |  | 960 |  |  | 181 |  |  | — |  |  | 125,143 |
Total (1) |  | $ | 405,798 |  |  | $ | 3,508 |  |  | $ | 43,097 |  |  | $ | — |  |  | $ | 452,403 |
($ in thousands) |  | December 31, 2017
| Pass/Watch |  | Special Mention |  | Substandard |  | Doubtful |  | Total PCI Loans
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 10,712 |  |  | $ | 57 |  |  | $ | 1,026 |  |  | $ | — |  |  | $ | 11,795 |
CRE |  | 238,605 |  |  | 531 |  |  | 38,552 |  |  | — |  |  | 277,688 |
Multifamily residential |  | 56,720 |  |  | — |  |  | 4,328 |  |  | — |  |  | 61,048 |
Construction and land |  | 44 |  |  | — |  |  | 327 |  |  | — |  |  | 371 |
Total commercial lending |  | 306,081 |  |  | 588 |  |  | 44,233 |  |  | — |  |  | 350,902 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 113,905 |  |  | 1,543 |  |  | 1,930 |  |  | — |  |  | 117,378 |
HELOCs |  | 12,642 |  |  | — |  |  | 1,365 |  |  | — |  |  | 14,007 |
Total consumer lending |  | 126,547 |  |  | 1,543 |  |  | 3,295 |  |  | — |  |  | 131,385 |
Total (1) |  | $ | 432,628 |  |  | $ | 2,131 |  |  | $ | 47,528 |  |  | $ | — |  |  | $ | 482,287 |
(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 March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018
| Accruing Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  | Accruing Loans 90 or More 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
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 16,767 |  |  | $ | 1,649 |  |  | $ | 2,381 |  |  | $ | 20,797 |  |  | $ | 38,609 |  |  | $ | 42,198 |  |  | $ | 80,807 |  |  | $ | 10,705,658 |  |  | $ | 10,807,262 |
CRE |  | 6,872 |  |  | 2,095 |  |  | — |  |  | 8,967 |  |  | 5,321 |  |  | 21,175 |  |  | 26,496 |  |  | 8,727,447 |  |  | 8,762,910 |
Multifamily residential |  | 2,958 |  |  | 14 |  |  | — |  |  | 2,972 |  |  | 1,000 |  |  | 1,050 |  |  | 2,050 |  |  | 1,893,495 |  |  | 1,898,517 |
Construction and land |  | 1,804 |  |  | — |  |  | — |  |  | 1,804 |  |  | — |  |  | 3,973 |  |  | 3,973 |  |  | 663,519 |  |  | 669,296 |
Total commercial lending |  | 28,401 |  |  | 3,758 |  |  | 2,381 |  |  | 34,540 |  |  | 44,930 |  |  | 68,396 |  |  | 113,326 |  |  | 21,990,119 |  |  | 22,137,985 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 8,230 |  |  | 7,733 |  |  | — |  |  | 15,963 |  |  | 6 |  |  | 7,459 |  |  | 7,465 |  |  | 4,794,666 |  |  | 4,818,094 |
HELOCs |  | 4,421 |  |  | 2,369 |  |  | — |  |  | 6,790 |  |  | 26 |  |  | 6,909 |  |  | 6,935 |  |  | 1,749,061 |  |  | 1,762,786 |
Other consumer |  | 24 |  |  | 2 |  |  | — |  |  | 26 |  |  | — |  |  | 2,491 |  |  | 2,491 |  |  | 381,463 |  |  | 383,980 |
Total consumer lending |  | 12,675 |  |  | 10,104 |  |  | — |  |  | 22,779 |  |  | 32 |  |  | 16,859 |  |  | 16,891 |  |  | 6,925,190 |  |  | 6,964,860 |
Total |  | $ | 41,076 |  |  | $ | 13,862 |  |  | $ | 2,381 |  |  | $ | 57,319 |  |  | $ | 44,962 |  |  | $ | 85,255 |  |  | $ | 130,217 |  |  | $ | 28,915,309 |  |  | $ | 29,102,845 |
($ in thousands) |  | December 31, 2017
| Accruing Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  | Accruing Loans 90 or More 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
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 30,964 |  |  | $ | 82 |  |  | $ | — |  |  | $ | 31,046 |  |  | $ | 27,408 |  |  | $ | 41,805 |  |  | $ | 69,213 |  |  | $ | 10,585,177 |  |  | $ | 10,685,436 |
CRE |  | 3,414 |  |  | 466 |  |  | — |  |  | 3,880 |  |  | 5,430 |  |  | 21,556 |  |  | 26,986 |  |  | 8,628,343 |  |  | 8,659,209 |
Multifamily residential |  | 4,846 |  |  | 14 |  |  | — |  |  | 4,860 |  |  | 1,418 |  |  | 299 |  |  | 1,717 |  |  | 1,848,551 |  |  | 1,855,128 |
Construction and land |  | 758 |  |  | — |  |  | — |  |  | 758 |  |  | — |  |  | 3,973 |  |  | 3,973 |  |  | 654,595 |  |  | 659,326 |
Total commercial lending |  | 39,982 |  |  | 562 |  |  | — |  |  | 40,544 |  |  | 34,256 |  |  | 67,633 |  |  | 101,889 |  |  | 21,716,666 |  |  | 21,859,099 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 13,269 |  |  | 5,355 |  |  | — |  |  | 18,624 |  |  | 6 |  |  | 5,917 |  |  | 5,923 |  |  | 4,504,364 |  |  | 4,528,911 |
HELOCs |  | 4,286 |  |  | 4,186 |  |  | — |  |  | 8,472 |  |  | 89 |  |  | 3,917 |  |  | 4,006 |  |  | 1,756,439 |  |  | 1,768,917 |
Other consumer |  | 14 |  |  | 23 |  |  | — |  |  | 37 |  |  | — |  |  | 2,491 |  |  | 2,491 |  |  | 333,976 |  |  | 336,504 |
Total consumer lending |  | 17,569 |  |  | 9,564 |  |  | — |  |  | 27,133 |  |  | 95 |  |  | 12,325 |  |  | 12,420 |  |  | 6,594,779 |  |  | 6,634,332 |
Total |  | $ | 57,551 |  |  | $ | 10,126 |  |  | $ | — |  |  | $ | 67,677 |  |  | $ | 34,351 |  |  | $ | 79,958 |  |  | $ | 114,309 |  |  | $ | 28,311,445 |  |  | $ | 28,493,431 |
Summary of additions and modifications to non-PCI troubled debt restructurings | The following table presents the additions to non-PCI TDRs for the three months ended March 31, 2017:
($ in thousands) |  | Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
Commercial lending: |  |  |  |  |  |  |  |
C&I |  | 2 |  |  | $ | 6,448 |  |  | $ | 4,914 |  |  | $ | 1,273 |
CRE |  | 1 |  |  | 1,526 |  |  | 1,505 |  |  | — |
Construction and land |  | 2 |  |  | 86 |  |  | — |  |  | — |
Total |  | 5 |  |  | $ | 8,060 |  |  | $ | 6,419 |  |  | $ | 1,273 |
(1) | Includes subsequent payments after modification and reflects the balance as of March 31, 2017.
(2) | The financial impact includes charge-offs and specific reserves recorded at the modification date.
There were no non-PCI TDR modifications during the three months ended March 31, 2018. The following table presents the non-PCI TDR modifications for the three months ended March 31, 2017 by modification type:
($ in thousands) |  | Principal (1) |  | Principal and Interest (2) |  | Total
Commercial lending: |  |  |  |  |  |
C&I |  | $ | — |  |  | $ | 4,914 |  |  | $ | 4,914 |
CRE |  | 1,505 |  |  | — |  |  | 1,505 |
Total |  | $ | 1,505 |  |  | $ | 4,914 |  |  | $ | 6,419 |
(1) | 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) | Includes principal and interest deferments or reductions.
The following table presents information on loans modified as TDRs within the previous 12 months that have subsequently defaulted during the three months ended March 31, 2018 and 2017, and were still in default at the respective period end:
($ in thousands) |  | Loans Modified as TDRs that Subsequently Defaulted During the Three Months Ended March 31,
| 2018 |  | 2017
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 2,718 |
Consumer lending: |  |  |  |  |  |  |  |
HELOCs |  | 1 |  |  | $ | 155 |  |  | — |  |  | $ | — |
Summary of non-PCI impaired loans | The following tables present information on non-PCI impaired loans as of March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018
| Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 123,336 |  |  | $ | 43,192 |  |  | $ | 55,789 |  |  | $ | 98,981 |  |  | $ | 28,564 |
CRE |  | 40,935 |  |  | 27,210 |  |  | 7,706 |  |  | 34,916 |  |  | 615 |
Multifamily residential |  | 9,819 |  |  | 6,483 |  |  | 2,934 |  |  | 9,417 |  |  | 103 |
Construction and land |  | 4,691 |  |  | 3,973 |  |  | — |  |  | 3,973 |  |  | — |
Total commercial lending |  | 178,781 |  |  | 80,858 |  |  | 66,429 |  |  | 147,287 |  |  | 29,282 |
Consumer lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 16,983 |  |  | 2,600 |  |  | 13,219 |  |  | 15,819 |  |  | 541 |
HELOCs |  | 8,277 |  |  | 4,774 |  |  | 3,360 |  |  | 8,134 |  |  | 5 |
Other consumer |  | 2,491 |  |  | — |  |  | 2,491 |  |  | 2,491 |  |  | 2,491 |
Total consumer lending |  | 27,751 |  |  | 7,374 |  |  | 19,070 |  |  | 26,444 |  |  | 3,037 |
Total non-PCI impaired loans |  | $ | 206,532 |  |  | $ | 88,232 |  |  | $ | 85,499 |  |  | $ | 173,731 |  |  | $ | 32,319 |
($ in thousands) |  | December 31, 2017
| Unpaid Principal Balance |  | Recorded Investment With No Allowance |  | Recorded Investment With Allowance |  | Total Recorded Investment |  | Related Allowance
Commercial lending: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 130,773 |  |  | $ | 36,086 |  |  | $ | 62,599 |  |  | $ | 98,685 |  |  | $ | 16,094 |
CRE |  | 41,248 |  |  | 28,699 |  |  | 6,857 |  |  | 35,556 |  |  | 684 |
Multifamily residential |  | 11,164 |  |  | 8,019 |  |  | 2,617 |  |  | 10,636 |  |  | 88 |
Construction and land |  | 4,781 |  |  | 3,973 |  |  | — |  |  | 3,973 |  |  | — |
Total commercial lending |  | 187,966 |  |  | 76,777 |  |  | 72,073 |  |  | 148,850 |  |  | 16,866 |
Consumer lending: |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 15,501 |  |  | — |  |  | 14,338 |  |  | 14,338 |  |  | 534 |
HELOCs |  | 5,484 |  |  | 2,287 |  |  | 2,921 |  |  | 5,208 |  |  | 4 |
Other consumer |  | 2,491 |  |  | — |  |  | 2,491 |  |  | 2,491 |  |  | 2,491 |
Total consumer lending |  | 23,476 |  |  | 2,287 |  |  | 19,750 |  |  | 22,037 |  |  | 3,029 |
Total non-PCI impaired loans |  | $ | 211,442 |  |  | $ | 79,064 |  |  | $ | 91,823 |  |  | $ | 170,887 |  |  | $ | 19,895 |
Schedule of 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 for the three months ended March 31, 2018 and 2017:
($ in thousands) |  | Three Months Ended March 31,
| 2018 |  | 2017
| Average Recorded Investment |  | Recognized Interest Income (1) |  | Average Recorded Investment |  | Recognized Interest Income (1)
Commercial lending: |  |  |  |  |  |  |  |
C&I |  | $ | 99,457 |  |  | $ | 1,900 |  |  | $ | 143,214 |  |  | $ | 221 |
CRE |  | 35,166 |  |  | 868 |  |  | 44,772 |  |  | 35 |
Multifamily residential |  | 9,458 |  |  | 116 |  |  | 9,269 |  |  | 38 |
Construction and land |  | 3,973 |  |  | 69 |  |  | 4,717 |  |  | — |
Total commercial lending |  | 148,054 |  |  | 2,953 |  |  | 201,972 |  |  | 294 |
Consumer lending: |  |  |  |  |  |  |  |
Single-family residential |  | 15,628 |  |  | 206 |  |  | 15,096 |  |  | 22 |
HELOCs |  | 8,141 |  |  | 111 |  |  | 4,532 |  |  | 12 |
Other consumer |  | 2,491 |  |  | 45 |  |  | 1 |  |  | — |
Total consumer lending |  | 26,260 |  |  | 362 |  |  | 19,629 |  |  | 34 |
Total non-PCI impaired loans |  | $ | 174,314 |  |  | $ | 3,315 |  |  | $ | 221,601 |  |  | $ | 328 |
(1) | Includes interest recognized on accruing non-PCI TDRs. Interest payments received on nonaccrual non-PCI loans are reflected as a reduction to principal, not as interest income.
Summary of activities in the allowance for credit losses | The following table presents a summary of activities in the allowance for loan losses by portfolio segment for the three months ended March 31, 2018 and 2017:
($ in thousands) |  | Three Months Ended March 31,
| 2018 |  | 2017
Non-PCI Loans |  |  |  |
Allowance for non-PCI loans, beginning of period |  | $ | 287,070 |  |  | $ | 260,402 |
Provision for loan losses on non-PCI loans |  | 19,933 |  |  | 8,046 |
Gross charge-offs: |  |  |  |
Commercial lending: |  |  |  |
C&I |  | (18,445 | ) |  | (7,057 | )
Construction and land |  | — |  |  | (148 | )
Consumer lending: |  |  |  |
Single-family residential |  | (1 | ) |  | — |
Other consumer |  | (17 | ) |  | (4 | )
Total gross charge-offs |  | (18,463 | ) |  | (7,209 | )
Gross recoveries: |  |  |  |
Commercial lending: |  |  |  |
C&I |  | 7,687 |  |  | 455 |
CRE |  | 427 |  |  | 569 |
Multifamily residential |  | 333 |  |  | 567 |
Construction and land |  | 435 |  |  | 24 |
Consumer lending: |  |  |  |
Single-family residential |  | 184 |  |  | 11 |
HELOCs |  | — |  |  | 24 |
Other consumer |  | 1 |  |  | 118 |
Total gross recoveries |  | 9,067 |  |  | 1,768 |
Net charge-offs |  | (9,396 | ) |  | (5,441 | )
Allowance for non-PCI loans, end of period |  | 297,607 |  |  | 263,007 |
PCI Loans |  |  |  |
Allowance for PCI loans, beginning of period |  | 58 |  |  | 118 |
Reversal of loan losses on PCI loans |  | (11 | ) |  | (31 | )
Allowance for PCI loans, end of period |  | 47 |  |  | 87 |
Allowance for loan losses |  | $ | 297,654 |  |  | $ | 263,094 |
The following table presents a summary of activities in the allowance for unfunded credit reserves for the three months ended March 31, 2018 and 2017:
($ in thousands) |  | Three Months Ended March 31,
| 2018 |  | 2017
Allowance for unfunded credit reserves, beginning of period |  | $ | 13,318 |  |  | $ | 16,121 |
Provision for (reversal of) unfunded credit reserves |  | 296 |  |  | (947 | )
Allowance for unfunded credit reserves, end of period |  | $ | 13,614 |  |  | $ | 15,174 |
Summary of allowance for loan losses and recorded investments 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 March 31, 2018 and December 31, 2017:
($ in thousands) |  | March 31, 2018
| Commercial Lending |  | Consumer Lending
| C&I |  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single- Family Residential |  | HELOCs |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 28,564 |  |  | $ | 615 |  |  | $ | 103 |  |  | $ | — |  |  | $ | 541 |  |  | $ | 5 |  |  | $ | 2,491 |  |  | $ | 32,319 |
Collectively evaluated for impairment |  | 141,131 |  |  | 39,056 |  |  | 18,396 |  |  | 32,220 |  |  | 25,416 |  |  | 7,036 |  |  | 2,033 |  |  | 265,288 |
Acquired with deteriorated credit quality |  | — |  |  | 47 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 47 |
Total |  | $ | 169,695 |  |  | $ | 39,718 |  |  | $ | 18,499 |  |  | $ | 32,220 |  |  | $ | 25,957 |  |  | $ | 7,041 |  |  | $ | 4,524 |  |  | $ | 297,654 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 98,981 |  |  | $ | 34,916 |  |  | $ | 9,417 |  |  | $ | 3,973 |  |  | $ | 15,819 |  |  | $ | 8,134 |  |  | $ | 2,491 |  |  | $ | 173,731 |
Collectively evaluated for impairment |  | 10,708,281 |  |  | 8,727,994 |  |  | 1,889,100 |  |  | 665,323 |  |  | 4,802,275 |  |  | 1,754,652 |  |  | 381,489 |  |  | 28,929,114 |
Acquired with deteriorated credit quality (1) |  | 11,042 |  |  | 259,836 |  |  | 56,338 |  |  | 44 |  |  | 112,486 |  |  | 12,657 |  |  | — |  |  | 452,403 |
Total (1) |  | $ | 10,818,304 |  |  | $ | 9,022,746 |  |  | $ | 1,954,855 |  |  | $ | 669,340 |  |  | $ | 4,930,580 |  |  | $ | 1,775,443 |  |  | $ | 383,980 |  |  | $ | 29,555,248 |
($ in thousands) |  | December 31, 2017
| Commercial Lending |  | Consumer Lending
| C&I |  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single- Family Residential |  | HELOCs |  | Other Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 16,094 |  |  | $ | 684 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 534 |  |  | $ | 4 |  |  | $ | 2,491 |  |  | $ | 19,895 |
Collectively evaluated for impairment |  | 146,964 |  |  | 40,495 |  |  | 19,021 |  |  | 26,881 |  |  | 25,828 |  |  | 7,350 |  |  | 636 |  |  | 267,175 |
Acquired with deteriorated credit quality |  | — |  |  | 58 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 58 |
Total |  | $ | 163,058 |  |  | $ | 41,237 |  |  | $ | 19,109 |  |  | $ | 26,881 |  |  | $ | 26,362 |  |  | $ | 7,354 |  |  | $ | 3,127 |  |  | $ | 287,128 |
Recorded investment in loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 98,685 |  |  | $ | 35,556 |  |  | $ | 10,636 |  |  | $ | 3,973 |  |  | $ | 14,338 |  |  | $ | 5,208 |  |  | $ | 2,491 |  |  | $ | 170,887 |
Collectively evaluated for impairment |  | 10,586,751 |  |  | 8,623,653 |  |  | 1,844,492 |  |  | 655,353 |  |  | 4,514,573 |  |  | 1,763,709 |  |  | 334,013 |  |  | 28,322,544 |
Acquired with deteriorated credit quality (1) |  | 11,795 |  |  | 277,688 |  |  | 61,048 |  |  | 371 |  |  | 117,378 |  |  | 14,007 |  |  | — |  |  | 482,287 |
Total (1) |  | $ | 10,697,231 |  |  | $ | 8,936,897 |  |  | $ | 1,916,176 |  |  | $ | 659,697 |  |  | $ | 4,646,289 |  |  | $ | 1,782,924 |  |  | $ | 336,504 |  |  | $ | 28,975,718 |
(1) | Loans net of ASC 310-30 discount.
Summary of changes in accretable yield for PCI loans | The following table presents the changes in accretable yield for PCI loans for the three months ended March 31, 2018 and 2017:
($ in thousands) |  | Three Months Ended March 31,
| 2018 |  | 2017
Accretable yield for PCI loans, beginning of period |  | $ | 101,977 |  |  | $ | 136,247 |
Accretion |  | (9,134 | ) |  | (10,279 | )
Changes in expected cash flows |  | 3,021 |  |  | 2,022 |
Accretable yield for PCI loans, end of period |  | $ | 95,864 |  |  | $ | 127,990 |
Schedule of sales, purchases and securitization of loans, and reclassification of loans held-for-investment to(from) loans held-for-sale | The following tables present information on the loans transferred from held-for-investment to held-for-sale, and sales and purchases of loans, during the three months ended March 31, 2018 and 2017:
($ in thousands) |  | Three Months Ended March 31, 2018
| Commercial Lending |  | Consumer Lending |  |  |
| C&I |  | CRE |  | Multifamily Residential |  | Single-Family Residential |  | Other Consumer |  | Total |
Loans transferred from held-for-investment to held-for-sale |  | $ | 146,391 |  |  | $ | 9,376 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 155,767 |  | (1)
Sales |  | $ | 102,365 |  |  | $ | 9,376 |  |  | $ | — |  |  | $ | 2,546 |  |  | $ | — |  |  | $ | 114,287 |  | (2)(3)(4)
Purchases |  | $ | 64,747 |  |  | $ | — |  |  | $ | 186 |  |  | $ | 15,113 |  |  | $ | — |  |  | $ | 80,046 |  | (5)
($ in thousands) |  | Three Months Ended March 31, 2017
| Commercial Lending |  | Consumer Lending |  |  |
| C&I |  | CRE |  | Multifamily Residential |  | Single-Family Residential |  | Other Consumer |  | Total |
Loans transferred from held-for-investment to held-for-sale |  | $ | 265,259 |  |  | $ | 12,765 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 278,024 |  | (1)
Sales |  | $ | 236,679 |  |  | $ | 12,765 |  |  | $ | — |  |  | $ | 4,310 |  |  | $ | 22,191 |  |  | $ | 275,945 |  | (2)(3)(4)
Purchases |  | $ | 147,116 |  |  | $ | — |  |  | $ | 126 |  |  | $ | — |  |  | $ | — |  |  | $ | 147,242 |  | (5)
(1) | The Company recorded $85 thousand and $92 thousand in write-downs to the allowance for loan losses related to loans transferred from held-for-investment to held-for-sale for the three months ended March 31, 2018 and 2017, respectively.
(2) | Includes originated loans sold of $89.7 million and $29.3 million for the three months ended March 31, 2018 and 2017, respectively. Originated loans sold were primarily comprised of C&I and CRE loans for each of the three months ended March 31, 2018, and 2017.
(3) | Includes purchased loans sold in the secondary market of $24.6 million and $246.6 million for the three months ended March 31, 2018 and 2017, respectively.
(4) | Net gains on sales of loans, excluding the lower of cost or fair value adjustments, were $1.6 million and $2.8 million for the three months ended March 31, 2018 and 2017, respectively. No lower of cost or fair value adjustments were recorded for the three months ended March 31, 2018. In comparison, the lower of cost or fair value adjustment of $69 thousand was recorded in Net gains on sales of loans on the Consolidated Statement of Income for the three months ended March 31, 2017.
(5) | C&I loan purchases for each of the three months ended March 31, 2018 and 2017 mainly represent C&I syndicated loans.

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