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Loans Receivable and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of the Composition of Loan Held-For-Investment | The following table presents the composition of the Company’s loans held-for-investment outstanding as of December 31, 2022 and 2021:
($ in thousands) |  | December 31, 2022 |  | December 31, 2021
Commercial: |  |  |  |  |
C&I (1) |  | $ | 15,711,095 |  |  |  | $ | 14,150,608 |
CRE: |  |  |  |  |
CRE |  | 13,857,870 |  |  |  | 12,155,047 |
Multifamily residential |  | 4,573,068 |  |  |  | 3,675,605 |
Construction and land |  | 638,420 |  |  |  | 346,486 |
Total CRE |  | 19,069,358 |  |  |  | 16,177,138 |
Total commercial |  | 34,780,453 |  |  |  | 30,327,746 |
Consumer: |  |  |  |  |
Residential mortgage: |  |  |  |  |
Single-family residential |  | 11,223,027 |  |  |  | 9,093,702 |
HELOCs |  | 2,122,655 |  |  |  | 2,144,821 |
Total residential mortgage |  | 13,345,682 |  |  |  | 11,238,523 |
Other consumer |  | 76,295 |  |  |  | 127,512 |
Total consumer |  | 13,421,977 |  |  |  | 11,366,035 |
Total loans held-for-investment (2) |  | $ | 48,202,430 |  |  |  | $ | 41,693,781 |
Allowance for loan losses |  | (595,645) |  |  |  | (541,579) |
Loans held-for-investment, net (2) |  | $ | 47,606,785 |  |  |  | $ | 41,152,202 |
(1)Includes Paycheck Protection Program loans of $99.0 million and $534.2 million as of December 31, 2022 and 2021, respectively. (2)Includes $(70.4) million and $(50.7) million net deferred loan fees and net unamortized premiums as of December 31, 2022 and 2021, respectively.
Schedule of Loans Held-for-Investment by Loan Portfolio Segment, Internal Risk Ratings and Vintage Year | The following tables summarize the Company’s loans held-for-investment by loan portfolio segments, internal risk ratings and vintage year as of December 31, 2022 and 2021. The vintage year is the year of origination, renewal or major modification. Revolving loans that are converted to term loans presented in the tables below are excluded from term loans by vintage year columns.
|  | December 31, 2022
|  | Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans (1) |  | Total
($ in thousands) |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,831,834 |  |  | $ | 2,053,215 |  |  | $ | 623,026 |  |  | $ | 392,013 |  |  | $ | 143,970 |  |  | $ | 97,605 |  |  | $ | 9,177,401 |  |  | $ | 20,548 |  |  | $ | 15,339,612 |
Criticized (accrual) |  | 72,210 |  |  | 34,296 |  |  | 48,761 |  |  | 34,221 |  |  | 20,646 |  |  | 12,933 |  |  | 97,988 |  |  | — |  |  | 321,055 |
Criticized (nonaccrual) |  | 18,722 |  |  | 4,797 |  |  | 10,733 |  |  | 243 |  |  | 5,618 |  |  | 10,315 |  |  | — |  |  | — |  |  | 50,428 |
Total C&I |  | 2,922,766 |  |  | 2,092,308 |  |  | 682,520 |  |  | 426,477 |  |  | 170,234 |  |  | 120,853 |  |  | 9,275,389 |  |  | 20,548 |  |  | 15,711,095 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 4,178,780 |  |  | 2,404,634 |  |  | 1,505,150 |  |  | 1,771,679 |  |  | 1,471,710 |  |  | 1,909,925 |  |  | 165,653 |  |  | 22,009 |  |  | 13,429,540 |
Criticized (accrual) |  | 3,518 |  |  | 60,573 |  |  | 159,424 |  |  | 40,095 |  |  | 91,132 |  |  | 32,173 |  |  | 1,455 |  |  | 16,716 |  |  | 405,086 |
Criticized (nonaccrual) |  | — |  |  | 19,044 |  |  | — |  |  | — |  |  | — |  |  | 4,200 |  |  | — |  |  | — |  |  | 23,244 |
Subtotal CRE |  | 4,182,298 |  |  | 2,484,251 |  |  | 1,664,574 |  |  | 1,811,774 |  |  | 1,562,842 |  |  | 1,946,298 |  |  | 167,108 |  |  | 38,725 |  |  | 13,857,870 |
Multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,500,289 |  |  | 892,598 |  |  | 641,677 |  |  | 519,614 |  |  | 350,044 |  |  | 625,293 |  |  | 11,325 |  |  | — |  |  | 4,540,840 |
Criticized (accrual) |  | — |  |  | — |  |  | — |  |  | 707 |  |  | 4,276 |  |  | 27,076 |  |  | — |  |  | — |  |  | 32,059 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 169 |  |  | — |  |  | — |  |  | 169 |
Subtotal multifamily residential |  | 1,500,289 |  |  | 892,598 |  |  | 641,677 |  |  | 520,321 |  |  | 354,320 |  |  | 652,538 |  |  | 11,325 |  |  | — |  |  | 4,573,068 |
Construction and land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 288,394 |  |  | 276,839 |  |  | 31,804 |  |  | 3,104 |  |  | 2,805 |  |  | 231 |  |  | 9,073 |  |  | — |  |  | 612,250 |
Criticized (accrual) |  | 4,504 |  |  | — |  |  | — |  |  | — |  |  | 21,666 |  |  | — |  |  | — |  |  | — |  |  | 26,170 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal construction and land |  | 292,898 |  |  | 276,839 |  |  | 31,804 |  |  | 3,104 |  |  | 24,471 |  |  | 231 |  |  | 9,073 |  |  | — |  |  | 638,420 |
Total CRE |  | 5,975,485 |  |  | 3,653,688 |  |  | 2,338,055 |  |  | 2,335,199 |  |  | 1,941,633 |  |  | 2,599,067 |  |  | 187,506 |  |  | 38,725 |  |  | 19,069,358 |
Total commercial |  | 8,898,251 |  |  | 5,745,996 |  |  | 3,020,575 |  |  | 2,761,676 |  |  | 2,111,867 |  |  | 2,719,920 |  |  | 9,462,895 |  |  | 59,273 |  |  | 34,780,453 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (2) |  | 3,548,894 |  |  | 2,453,717 |  |  | 1,775,696 |  |  | 1,101,965 |  |  | 817,164 |  |  | 1,500,359 |  |  | — |  |  | — |  |  | 11,197,795 |
Criticized (accrual) |  | — |  |  | 1,275 |  |  | 785 |  |  | 1,463 |  |  | 4,352 |  |  | 3,935 |  |  | — |  |  | — |  |  | 11,810 |
Criticized (Nonaccrual) (2) |  | 141 |  |  | — |  |  | 204 |  |  | 3,202 |  |  | 1,721 |  |  | 8,154 |  |  | — |  |  | — |  |  | 13,422 |
Subtotal single-family residential mortgage |  | 3,549,035 |  |  | 2,454,992 |  |  | 1,776,685 |  |  | 1,106,630 |  |  | 823,237 |  |  | 1,512,448 |  |  | — |  |  | — |  |  | 11,223,027 |
HELOCs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 520 |  |  | 3,583 |  |  | 7,336 |  |  | 3,203 |  |  | 525 |  |  | 8,960 |  |  | 1,958,692 |  |  | 127,401 |  |  | 2,110,220 |
Criticized (accrual) |  | — |  |  | 6 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 1,079 |  |  | 1,089 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | 483 |  |  | 231 |  |  | 1,017 |  |  | 4,844 |  |  | 1,001 |  |  | 3,770 |  |  | 11,346 |
Subtotal HELOCs |  | 520 |  |  | 3,589 |  |  | 7,819 |  |  | 3,434 |  |  | 1,542 |  |  | 13,804 |  |  | 1,959,697 |  |  | 132,250 |  |  | 2,122,655 |
Total residential mortgage |  | 3,549,555 |  |  | 2,458,581 |  |  | 1,784,504 |  |  | 1,110,064 |  |  | 824,779 |  |  | 1,526,252 |  |  | 1,959,697 |  |  | 132,250 |  |  | 13,345,682 |
Other consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 17,088 |  |  | 137 |  |  | 5,356 |  |  | — |  |  | — |  |  | 15,808 |  |  | 37,804 |  |  | — |  |  | 76,193 |
Criticized (accrual) |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 99 |  |  | — |  |  | 99 |
Total other consumer |  | 17,091 |  |  | 137 |  |  | 5,356 |  |  | — |  |  | — |  |  | 15,808 |  |  | 37,903 |  |  | — |  |  | 76,295 |
Total consumer |  | 3,566,646 |  |  | 2,458,718 |  |  | 1,789,860 |  |  | 1,110,064 |  |  | 824,779 |  |  | 1,542,060 |  |  | 1,997,600 |  |  | 132,250 |  |  | 13,421,977 |
Total by risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 12,365,799 |  |  | 8,084,723 |  |  | 4,590,045 |  |  | 3,791,578 |  |  | 2,786,218 |  |  | 4,158,181 |  |  | 11,359,948 |  |  | 169,958 |  |  | 47,306,450 |
Criticized (accrual) |  | 80,235 |  |  | 96,150 |  |  | 208,970 |  |  | 76,486 |  |  | 142,072 |  |  | 76,117 |  |  | 99,447 |  |  | 17,795 |  |  | 797,272 |
Criticized (nonaccrual) |  | 18,863 |  |  | 23,841 |  |  | 11,420 |  |  | 3,676 |  |  | 8,356 |  |  | 27,682 |  |  | 1,100 |  |  | 3,770 |  |  | 98,708 |
Total |  | $ | 12,464,897 |  |  | $ | 8,204,714 |  |  | $ | 4,810,435 |  |  | $ | 3,871,740 |  |  | $ | 2,936,646 |  |  | $ | 4,261,980 |  |  | $ | 11,460,495 |  |  | $ | 191,523 |  |  | $ | 48,202,430 |
|  | December 31, 2021
|  | Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans (1) |  | Total
($ in thousands) |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,911,722 |  |  | $ | 1,133,085 |  |  | $ | 629,007 |  |  | $ | 187,195 |  |  | $ | 132,392 |  |  | $ | 225,326 |  |  | $ | 7,383,485 |  |  | $ | 28,842 |  |  | $ | 13,631,054 |
Criticized (accrual) |  | 85,036 |  |  | 117,357 |  |  | 72,277 |  |  | 51,553 |  |  | 15,136 |  |  | 4,005 |  |  | 115,167 |  |  | — |  |  | 460,531 |
Criticized (nonaccrual) |  | 29,456 |  |  | 2,792 |  |  | 513 |  |  | 517 |  |  | 9,301 |  |  | 16,444 |  |  | — |  |  | — |  |  | 59,023 |
Total C&I |  | 4,026,214 |  |  | 1,253,234 |  |  | 701,797 |  |  | 239,265 |  |  | 156,829 |  |  | 245,775 |  |  | 7,498,652 |  |  | 28,842 |  |  | 14,150,608 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 2,792,193 |  |  | 2,090,503 |  |  | 2,230,520 |  |  | 1,863,481 |  |  | 1,120,682 |  |  | 1,727,862 |  |  | 128,668 |  |  | 6,389 |  |  | 11,960,298 |
Criticized (accrual) |  | 71,055 |  |  | 3,200 |  |  | 9,176 |  |  | 21,077 |  |  | 24,851 |  |  | 55,892 |  |  | — |  |  | — |  |  | 185,251 |
Criticized (nonaccrual) |  | 4,350 |  |  | — |  |  | — |  |  | — |  |  | 4,752 |  |  | 396 |  |  | — |  |  | — |  |  | 9,498 |
Subtotal CRE |  | 2,867,598 |  |  | 2,093,703 |  |  | 2,239,696 |  |  | 1,884,558 |  |  | 1,150,285 |  |  | 1,784,150 |  |  | 128,668 |  |  | 6,389 |  |  | 12,155,047 |
Multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,026,295 |  |  | 726,772 |  |  | 688,453 |  |  | 419,319 |  |  | 308,087 |  |  | 424,947 |  |  | 20,524 |  |  | — |  |  | 3,614,397 |
Criticized (accrual) |  | — |  |  | — |  |  | 721 |  |  | 22,344 |  |  | 7,033 |  |  | 30,666 |  |  | — |  |  | — |  |  | 60,764 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 444 |  |  | — |  |  | — |  |  | 444 |
Subtotal multifamily residential |  | 1,026,295 |  |  | 726,772 |  |  | 689,174 |  |  | 441,663 |  |  | 315,120 |  |  | 456,057 |  |  | 20,524 |  |  | — |  |  | 3,675,605 |
Construction and land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 122,983 |  |  | 103,743 |  |  | 90,544 |  |  | 3,412 |  |  | — |  |  | 391 |  |  | — |  |  | — |  |  | 321,073 |
Criticized (accrual) |  | 3,355 |  |  | — |  |  | — |  |  | 22,058 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,413 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal construction and land |  | 126,338 |  |  | 103,743 |  |  | 90,544 |  |  | 25,470 |  |  | — |  |  | 391 |  |  | — |  |  | — |  |  | 346,486 |
Total CRE |  | 4,020,231 |  |  | 2,924,218 |  |  | 3,019,414 |  |  | 2,351,691 |  |  | 1,465,405 |  |  | 2,240,598 |  |  | 149,192 |  |  | 6,389 |  |  | 16,177,138 |
Total commercial |  | 8,046,445 |  |  | 4,177,452 |  |  | 3,721,211 |  |  | 2,590,956 |  |  | 1,622,234 |  |  | 2,486,373 |  |  | 7,647,844 |  |  | 35,231 |  |  | 30,327,746 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (2) |  | 2,616,958 |  |  | 2,108,370 |  |  | 1,375,929 |  |  | 1,079,030 |  |  | 763,351 |  |  | 1,127,516 |  |  | — |  |  | — |  |  | 9,071,154 |
Criticized (accrual) |  | — |  |  | — |  |  | 458 |  |  | 2,813 |  |  | 1,899 |  |  | 3,212 |  |  | — |  |  | — |  |  | 8,382 |
Criticized (nonaccrual) (2) |  | — |  |  | — |  |  | 1,751 |  |  | 3,889 |  |  | 4,295 |  |  | 4,231 |  |  | — |  |  | — |  |  | 14,166 |
Subtotal single-family residential mortgage |  | 2,616,958 |  |  | 2,108,370 |  |  | 1,378,138 |  |  | 1,085,732 |  |  | 769,545 |  |  | 1,134,959 |  |  | — |  |  | — |  |  | 9,093,702 |
HELOCs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 648 |  |  | 3,277 |  |  | 4,644 |  |  | 1,347 |  |  | 3,268 |  |  | 11,215 |  |  | 1,913,478 |  |  | 197,414 |  |  | 2,135,291 |
Criticized (accrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 371 |  |  | 7 |  |  | 708 |  |  | 1,086 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | 52 |  |  | 188 |  |  | 3,543 |  |  | 973 |  |  | — |  |  | 3,688 |  |  | 8,444 |
Subtotal HELOCs |  | 648 |  |  | 3,277 |  |  | 4,696 |  |  | 1,535 |  |  | 6,811 |  |  | 12,559 |  |  | 1,913,485 |  |  | 201,810 |  |  | 2,144,821 |
Total residential mortgage |  | 2,617,606 |  |  | 2,111,647 |  |  | 1,382,834 |  |  | 1,087,267 |  |  | 776,356 |  |  | 1,147,518 |  |  | 1,913,485 |  |  | 201,810 |  |  | 11,238,523 |
Other consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 16,831 |  |  | 5,258 |  |  | — |  |  | — |  |  | 1,741 |  |  | 52,147 |  |  | 51,481 |  |  | — |  |  | 127,458 |
Criticized (accrual) |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Criticized (nonaccrual) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 52 |  |  | — |  |  | 52 |
Total other consumer |  | 16,833 |  |  | 5,258 |  |  | — |  |  | — |  |  | 1,741 |  |  | 52,147 |  |  | 51,533 |  |  | — |  |  | 127,512 |
Total consumer |  | 2,634,439 |  |  | 2,116,905 |  |  | 1,382,834 |  |  | 1,087,267 |  |  | 778,097 |  |  | 1,199,665 |  |  | 1,965,018 |  |  | 201,810 |  |  | 11,366,035 |
Total by risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 10,487,630 |  |  | 6,171,008 |  |  | 5,019,097 |  |  | 3,553,784 |  |  | 2,329,521 |  |  | 3,569,404 |  |  | 9,497,636 |  |  | 232,645 |  |  | 40,860,725 |
Criticized (accrual) |  | 159,448 |  |  | 120,557 |  |  | 82,632 |  |  | 119,845 |  |  | 48,919 |  |  | 94,146 |  |  | 115,174 |  |  | 708 |  |  | 741,429 |
Criticized (nonaccrual) |  | 33,806 |  |  | 2,792 |  |  | 2,316 |  |  | 4,594 |  |  | 21,891 |  |  | 22,488 |  |  | 52 |  |  | 3,688 |  |  | 91,627 |
Total |  | $ | 10,680,884 |  |  | $ | 6,294,357 |  |  | $ | 5,104,045 |  |  | $ | 3,678,223 |  |  | $ | 2,400,331 |  |  | $ | 3,686,038 |  |  | $ | 9,612,862 |  |  | $ | 237,041 |  |  | $ | 41,693,781 |
(1)$26.2 million, $6.5 million and $23.9 million of total commercial loans, primarily comprised of CRE and C&I revolving loans, were converted to term loans during the years ended December 31, 2022, 2021 and 2020, respectively. For the year ended December 31, 2022, no consumer loans were converted to term loans. $54.1 million and $145.0 million of total consumer loans, comprised of HELOCs, were converted to term loans during the years ended December 31, 2021 and 2020, respectively. (2)As of December 31, 2022 and 2021, $818 thousand and $1.6 million, respectively, of nonaccrual loans whose payments are guaranteed by the Federal Housing Administration were classified with a “Pass” rating.
Schedule of Aging Analysis of Loans | The following tables present the aging analysis of total loans held-for-investment as of December 31, 2022 and 2021:
($ in thousands) |  | December 31, 2022 |  |  |  |
| Current Accruing Loans |  | Accruing Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  |  |  |  |  | Total Accruing Past Due Loans |  |  |  |  |  | Total Nonaccrual Loans |  | Total Loans |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 15,651,312 |  |  | $ | 6,482 |  |  | $ | 2,873 |  |  |  |  |  |  | $ | 9,355 |  |  |  |  |  |  | $ | 50,428 |  |  | $ | 15,711,095 |  |  |  |  |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE |  | 13,820,441 |  |  | 14,185 |  |  | — |  |  |  |  |  |  | 14,185 |  |  |  |  |  |  | 23,244 |  |  | 13,857,870 |  |  |  |  |
Multifamily residential |  | 4,571,899 |  |  | 678 |  |  | 322 |  |  |  |  |  |  | 1,000 |  |  |  |  |  |  | 169 |  |  | 4,573,068 |  |  |  |  |
Construction and land |  | 638,420 |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  |  |  |  |  | — |  |  | 638,420 |  |  |  |  |
Total CRE |  | 19,030,760 |  |  | 14,863 |  |  | 322 |  |  |  |  |  |  | 15,185 |  |  |  |  |  |  | 23,413 |  |  | 19,069,358 |  |  |  |  |
Total commercial |  | 34,682,072 |  |  | 21,345 |  |  | 3,195 |  |  |  |  |  |  | 24,540 |  |  |  |  |  |  | 73,841 |  |  | 34,780,453 |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 11,183,134 |  |  | 13,523 |  |  | 12,130 |  |  |  |  |  |  | 25,653 |  |  |  |  |  |  | 14,240 |  |  | 11,223,027 |  |  |  |  |
HELOCs |  | 2,102,523 |  |  | 7,700 |  |  | 1,086 |  |  |  |  |  |  | 8,786 |  |  |  |  |  |  | 11,346 |  |  | 2,122,655 |  |  |  |  |
Total residential mortgage |  | 13,285,657 |  |  | 21,223 |  |  | 13,216 |  |  |  |  |  |  | 34,439 |  |  |  |  |  |  | 25,586 |  |  | 13,345,682 |  |  |  |  |
Other consumer |  | 73,004 |  |  | 109 |  |  | 3,083 |  |  |  |  |  |  | 3,192 |  |  |  |  |  |  | 99 |  |  | 76,295 |  |  |  |  |
Total consumer |  | 13,358,661 |  |  | 21,332 |  |  | 16,299 |  |  |  |  |  |  | 37,631 |  |  |  |  |  |  | 25,685 |  |  | 13,421,977 |  |  |  |  |
Total |  | $ | 48,040,733 |  |  | $ | 42,677 |  |  | $ | 19,494 |  |  |  |  |  |  | $ | 62,171 |  |  |  |  |  |  | $ | 99,526 |  |  | $ | 48,202,430 |  |  |  |  |
($ in thousands) |  | December 31, 2021
| Current Accruing Loans |  | Accruing Loans 30-59 Days Past Due |  | Accruing Loans 60-89 Days Past Due |  |  |  | Total Accruing Past Due Loans |  |  |  |  |  | Total Nonaccrual Loans |  | Total Loans
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 14,080,516 |  |  | $ | 6,983 |  |  | $ | 4,086 |  |  |  |  | $ | 11,069 |  |  |  |  |  |  | $ | 59,023 |  |  | $ | 14,150,608 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE |  | 12,141,827 |  |  | 3,722 |  |  | — |  |  |  |  | 3,722 |  |  |  |  |  |  | 9,498 |  |  | 12,155,047 |
Multifamily residential |  | 3,669,819 |  |  | 5,320 |  |  | 22 |  |  |  |  | 5,342 |  |  |  |  |  |  | 444 |  |  | 3,675,605 |
Construction and land |  | 346,486 |  |  | — |  |  | — |  |  |  |  | — |  |  |  |  |  |  | — |  |  | 346,486 |
Total CRE |  | 16,158,132 |  |  | 9,042 |  |  | 22 |  |  |  |  | 9,064 |  |  |  |  |  |  | 9,942 |  |  | 16,177,138 |
Total commercial |  | 30,238,648 |  |  | 16,025 |  |  | 4,108 |  |  |  |  | 20,133 |  |  |  |  |  |  | 68,965 |  |  | 30,327,746 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 9,059,222 |  |  | 10,191 |  |  | 8,569 |  |  |  |  | 18,760 |  |  |  |  |  |  | 15,720 |  |  | 9,093,702 |
HELOCs |  | 2,130,523 |  |  | 4,776 |  |  | 1,078 |  |  |  |  | 5,854 |  |  |  |  |  |  | 8,444 |  |  | 2,144,821 |
Total residential mortgage |  | 11,189,745 |  |  | 14,967 |  |  | 9,647 |  |  |  |  | 24,614 |  |  |  |  |  |  | 24,164 |  |  | 11,238,523 |
Other consumer |  | 127,352 |  |  | 99 |  |  | 9 |  |  |  |  | 108 |  |  |  |  |  |  | 52 |  |  | 127,512 |
Total consumer |  | 11,317,097 |  |  | 15,066 |  |  | 9,656 |  |  |  |  | 24,722 |  |  |  |  |  |  | 24,216 |  |  | 11,366,035 |
Total |  | $ | 41,555,745 |  |  | $ | 31,091 |  |  | $ | 13,764 |  |  |  |  | $ | 44,855 |  |  |  |  |  |  | $ | 93,181 |  |  | $ | 41,693,781 |
Schedule of Amortized Cost of Loans on Nonaccrual Status with No Related Allowance for Loan Losses | The following table presents the amortized cost of loans on nonaccrual status for which there was no related allowance for loan losses as of both December 31, 2022 and 2021. Nonaccrual loans may not have an allowance for credit losses if the loan balances are well secured by the collateral value and there is no loss expectation.
($ in thousands) |  | December 31, 2022 |  | December 31, 2021 |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 11,398 |  |  | $ | 22,967 |  |  |  |  |  |  |  |  |  |
CRE |  | 22,944 |  |  | 9,102 |  |  |  |  |  |  |  |  |  |
Total commercial |  | 34,342 |  |  | 32,069 |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 2,998 |  |  | 5,785 |  |  |  |  |  |  |  |  |  |
HELOCs |  | 7,245 |  |  | 5,033 |  |  |  |  |  |  |  |  |  |
Total consumer |  | 10,243 |  |  | 10,818 |  |  |  |  |  |  |  |  |  |
Total nonaccrual loans with no related allowance for loan losses |  | $ | 44,585 |  |  | $ | 42,887 |  |  |  |  |  |  |  |  |  |
Summary of Additions and Post-Modifications to Troubled Debt Restructurings | The following tables present the additions to TDRs for the years ended December 31, 2022, 2021 and 2020:
($ in thousands) |  | Loans Modified as TDRs During the Year Ended December 31, 2022
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
Commercial: |  |  |  |  |  |  |  |
C&I |  | 7 |  |  | $ | 69,050 |  |  | $ | 38,415 |  |  | $ | 12,638 |
Total commercial |  | 7 |  |  | 69,050 |  |  | 38,415 |  |  | 12,638 |
Consumer: |  |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |  |
HELOCs |  | 2 |  |  | 662 |  |  | 697 |  |  | 2 |
Total residential mortgage |  | 2 |  |  | 662 |  |  | 697 |  |  | 2 |
Total consumer |  | 2 |  |  | 662 |  |  | 697 |  |  | 2 |
Total |  | 9 |  |  | $ | 69,712 |  |  | $ | 39,112 |  |  | $ | 12,640 |
($ in thousands) |  | Loans Modified as TDRs During the Year Ended December 31, 2021
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
Commercial: |  |  |  |  |  |  |  |
C&I |  | 5 |  |  | $ | 24,155 |  |  | $ | 20,263 |  |  | $ | 1,108 |
CRE: |  |  |  |  |  |  |  |
Multifamily residential |  | 1 |  |  | 1,101 |  |  | 1,066 |  |  | — |
Total CRE |  | 1 |  |  | 1,101 |  |  | 1,066 |  |  | — |
Total commercial |  | 6 |  |  | 25,256 |  |  | 21,329 |  |  | 1,108 |
Total |  | 6 |  |  | $ | 25,256 |  |  | $ | 21,329 |  |  | $ | 1,108 |
($ in thousands) |  | Loans Modified as TDRs During the Year Ended December 31, 2020
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment (1) |  | Financial Impact (2)
Commercial: |  |  |  |  |  |  |  |
C&I |  | 14 |  |  | $ | 152,249 |  |  | $ | 134,467 |  |  | $ | 19,555 |
CRE: |  |  |  |  |  |  |  |
CRE |  | 2 |  |  | 21,429 |  |  | 21,221 |  |  | 18 |
Multifamily residential |  | 1 |  |  | 1,220 |  |  | 1,226 |  |  | — |
Total CRE |  | 3 |  |  | 22,649 |  |  | 22,447 |  |  | 18 |
Total commercial |  | 17 |  |  | 174,898 |  |  | 156,914 |  |  | 19,573 |
Total |  | 17 |  |  | $ | 174,898 |  |  | $ | 156,914 |  |  | $ | 19,573 |
(1)Includes subsequent payments after modification and reflects the balance as of December 31, 2022, 2021 and 2020. (2)Includes charge-offs and specific reserves recorded since the modification date. Loans modified more than once are reported in the period they were first modified. The following tables present the TDR post-modification outstanding balances by the primary modification type for the years ended December 31, 2022, 2021 and 2020:
($ in thousands) |  | Modification Type During the Year Ended December 31, 2022
| Principal (1) |  | Principal and Interest (2) |  | Interest Rate Reduction |  |  |  | Interest Deferments |  | Other (3) |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 24,238 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | 14,177 |  |  | $ | 38,415 |
Total commercial |  | 24,238 |  |  | — |  |  | — |  |  |  |  | — |  |  | 14,177 |  |  | 38,415 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |
HELOCs |  | 697 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 697 |
Total residential mortgage |  | 697 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 697 |
Total consumer |  | 697 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 697 |
Total |  | $ | 24,935 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | 14,177 |  |  | $ | 39,112 |
($ in thousands) |  | Modification Type During the Year Ended December 31, 2021
| Principal (1) |  | Principal and Interest (2) |  | Interest Rate Reduction |  |  |  | Interest Deferments |  | Other (3) |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 4,679 |  |  | $ | — |  |  | $ | 15,584 |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 20,263 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential |  | 1,066 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 1,066 |
Total CRE |  | 1,066 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 1,066 |
Total commercial |  | 5,745 |  |  | — |  |  | 15,584 |  |  |  |  | — |  |  | — |  |  | 21,329 |
Total |  | $ | 5,745 |  |  | $ | — |  |  | $ | 15,584 |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 21,329 |
($ in thousands) |  | Modification Type During the Year Ended December 31, 2020
| Principal (1) |  | Principal and Interest (2) |  | Interest Rate Reduction |  |  |  | Interest Deferments |  | Other (3) |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | $ | 59,134 |  |  | $ | 10,863 |  |  | $ | 31,913 |  |  |  |  | $ | 32,557 |  |  | $ | — |  |  | $ | 134,467 |
CRE: |  |  |  |  |  |  |  |  |  |  |  |  |  |
CRE |  | 21,221 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 21,221 |
Multifamily residential |  | 1,226 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 1,226 |
Total CRE |  | 22,447 |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | 22,447 |
Total commercial |  | 81,581 |  |  | 10,863 |  |  | 31,913 |  |  |  |  | 32,557 |  |  | — |  |  | 156,914 |
Total |  | $ | 81,581 |  |  | $ | 10,863 |  |  | $ | 31,913 |  |  |  |  | $ | 32,557 |  |  | $ | — |  |  | $ | 156,914 |
(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. (3)Includes primarily funding to secure additional collateral and provide liquidity to collateral-dependent and term extension to C&I loans.
Summary of TDR Loans Subsequently Defaulted | The following table presents information on loans that entered into default during the years ended December 31, 2022, 2021 and 2020 that were modified as TDRs during the 12 months preceding payment default:
($ in thousands) |  | Loans Modified as TDRs that Subsequently Defaulted During the Year Ended December 31,
| 2022 |  | 2021 |  | 2020
| Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment |  | Number of Loans |  | Recorded Investment
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
C&I |  | 2 |  |  | $ | 10,296 |  |  | 1 |  |  | $ | 11,431 |  |  | 1 |  |  | $ | 15,852 |
Total commercial |  | 2 |  |  | 10,296 |  |  | 1 |  |  | 11,431 |  |  | 1 |  |  | 15,852 |
Total |  | 2 |  |  | $ | 10,296 |  |  | 1 |  |  | $ | 11,431 |  |  | 1 |  |  | $ | 15,852 |
Key Credit Risk Characteristics and Macroeconomic Variables | The following table provides key credit risk characteristics and macroeconomic variables that the Company uses to estimate the expected credit losses by portfolio segment:
Portfolio Segment |  | Risk Characteristics |  | Macroeconomic Variables
C&I |  | Age (1), size and spread at origination, and risk rating |  | Volatility Index (“VIX”) and BBB yield to 10-year U.S. Treasury spread (“BBB spread”) (1)
CRE, Multifamily residential, and Construction and land |  | Delinquency status, maturity date, collateral value, property type, and geographic location |  | Unemployment rate, Gross Domestic Product (“GDP”), and U.S. Treasury rates
Single-family residential and HELOCs |  | FICO score, delinquency status, maturity date, collateral value, and geographic location |  | Unemployment rate, GDP, and home price index
Other consumer |  | Historical loss experience |  | Immaterial (2)
(1)Due to the model enhancements during the third quarter of 2021, the risk characteristic related to “time-to-maturity” was changed to “age”; while macroeconomic variables related to “unemployment rate and two- and ten-year U.S. Treasury spread” were changed to “VIX and BBB spread”. (2)Macroeconomic variables are included in the qualitative estimate.
Summary of the Activity in the Allowance for Credit Losses | The following tables summarize the activity in the allowance for loan losses by portfolio segments for the years ended December 31, 2022, 2021 and 2020:
($ in thousands) |  | Year Ended December 31, 2022
| Commercial |  | Consumer |  | Total |  |  |  |
| C&I |  | CRE |  | Residential Mortgage |  | Other Consumer |  |  |  |  |
|  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single- Family Residential |  | HELOCs |  |  |  |  |  |
Allowance for loan losses, beginning of period |  | $ | 338,252 |  |  | $ | 150,940 |  |  | $ | 14,400 |  |  | $ | 15,468 |  |  | $ | 17,160 |  |  | $ | 3,435 |  |  | $ | 1,924 |  |  | $ | 541,579 |  |  |  |  |
Provision for (reversal of) credit losses on loans | (a) | 37,604 |  |  | 8,212 |  |  | 15,651 |  |  | (6,433) |  |  | 18,867 |  |  | 1,124 |  |  | (258) |  |  | 74,767 |  |  |  |  |
Gross charge-offs |  | (18,738) |  |  | (10,871) |  |  | (7,237) |  |  | — |  |  | (775) |  |  | (193) |  |  | (106) |  |  | (37,920) |  |  |  |  |
Gross recoveries |  | 16,824 |  |  | 1,583 |  |  | 559 |  |  | 74 |  |  | 312 |  |  | 109 |  |  | — |  |  | 19,461 |  |  |  |  |
Total net (charge-offs) recoveries |  | (1,914) |  |  | (9,288) |  |  | (6,678) |  |  | 74 |  |  | (463) |  |  | (84) |  |  | (106) |  |  | (18,459) |  |  |  |  |
Foreign currency translation adjustment |  | (2,242) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,242) |  |  |  |  |
Allowance for loan losses, end of period |  | $ | 371,700 |  |  | $ | 149,864 |  |  | $ | 23,373 |  |  | $ | 9,109 |  |  | $ | 35,564 |  |  | $ | 4,475 |  |  | $ | 1,560 |  |  | $ | 595,645 |  |  |  |  |
($ in thousands) |  | Year Ended December 31, 2021
| Commercial |  | Consumer |  | Total |  |  |  |
| C&I |  | CRE |  | Residential Mortgage |  | Other Consumer |  |  |  |  |
|  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single- Family Residential |  | HELOCs |  |  |  |  |  |
Allowance for loan losses, beginning of period |  | $ | 398,040 |  |  | $ | 163,791 |  |  | $ | 27,573 |  |  | $ | 10,239 |  |  | $ | 15,520 |  |  | $ | 2,690 |  |  | $ | 2,130 |  |  | $ | 619,983 |  |  |  |  |
(Reversal of) provision for credit losses on loans | (a) | (39,732) |  |  | 14,282 |  |  | (15,076) |  |  | 7,576 |  |  | 1,965 |  |  | 745 |  |  | 1,286 |  |  | (28,954) |  |  |  |  |
Gross charge-offs |  | (32,490) |  |  | (28,430) |  |  | (130) |  |  | (2,954) |  |  | (1,046) |  |  | (45) |  |  | (1,497) |  |  | (66,592) |  |  |  |  |
Gross recoveries |  | 11,906 |  |  | 1,297 |  |  | 2,033 |  |  | 607 |  |  | 721 |  |  | 45 |  |  | 5 |  |  | 16,614 |  |  |  |  |
Total net (charge-offs) recoveries |  | (20,584) |  |  | (27,133) |  |  | 1,903 |  |  | (2,347) |  |  | (325) |  |  | — |  |  | (1,492) |  |  | (49,978) |  |  |  |  |
Foreign currency translation adjustment |  | 528 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 528 |  |  |  |  |
Allowance for loan losses, end of period |  | $ | 338,252 |  |  | $ | 150,940 |  |  | $ | 14,400 |  |  | $ | 15,468 |  |  | $ | 17,160 |  |  | $ | 3,435 |  |  | $ | 1,924 |  |  | $ | 541,579 |  |  |  |  |
($ in thousands) |  | Year Ended December 31, 2020
| Commercial |  | Consumer |  | Total |  |  |  |
| C&I |  | CRE |  | Residential Mortgage |  | Other Consumer |  |  |  |  |
|  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single- Family Residential |  | HELOCs |  |  |  |  |  |
Allowance for loan losses, beginning of period |  | $ | 238,376 |  |  | $ | 40,509 |  |  | $ | 22,826 |  |  | $ | 19,404 |  |  | $ | 28,527 |  |  | $ | 5,265 |  |  | $ | 3,380 |  |  | $ | 358,287 |  |  |  |  |
Impact of ASU 2016-13 adoption |  | 74,237 |  |  | 72,169 |  |  | (8,112) |  |  | (9,889) |  |  | (3,670) |  |  | (1,798) |  |  | 2,221 |  |  | 125,158 |  |  |  |  |
Provision for (reversal of) credit losses on loans | (a) | 145,212 |  |  | 55,864 |  |  | 10,879 |  |  | 644 |  |  | (9,922) |  |  | (605) |  |  | (3,381) |  |  | 198,691 |  |  |  |  |
Gross charge-offs |  | (66,225) |  |  | (15,206) |  |  | — |  |  | — |  |  | — |  |  | (221) |  |  | (185) |  |  | (81,837) |  |  |  |  |
Gross recoveries |  | 5,428 |  |  | 10,455 |  |  | 1,980 |  |  | 80 |  |  | 585 |  |  | 49 |  |  | 95 |  |  | 18,672 |  |  |  |  |
Total net (charge-offs) recoveries |  | (60,797) |  |  | (4,751) |  |  | 1,980 |  |  | 80 |  |  | 585 |  |  | (172) |  |  | (90) |  |  | (63,165) |  |  |  |  |
Foreign currency translation adjustment |  | 1,012 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,012 |  |  |  |  |
Allowance for loan losses, end of period |  | $ | 398,040 |  |  | $ | 163,791 |  |  | $ | 27,573 |  |  | $ | 10,239 |  |  | $ | 15,520 |  |  | $ | 2,690 |  |  | $ | 2,130 |  |  | $ | 619,983 |  |  |  |  |
The following table summarizes the activities in the allowance for unfunded credit commitments for the years ended December 31, 2022, 2021 and 2020:
($ in thousands) |  | Year Ended December 31,
| 2022 |  | 2021 |  | 2020
Unfunded credit facilities |  |  |  |  |  |
Allowance for unfunded credit commitments, beginning of period |  | $ | 27,514 |  |  | $ | 33,577 |  |  | $ | 11,158 |
Impact of ASU 2016-13 adoption |  | — |  |  | — |  |  | 10,457 |
(Reversal of) provision for credit losses on unfunded credit commitments | (b) | (1,267) |  |  | (6,046) |  |  | 11,962 |
Foreign currency translation adjustments |  | 17 |  |  | (17) |  |  | — |
Allowance for unfunded credit commitments, end of period |  | 26,264 |  |  | 27,514 |  |  | 33,577 |
Provision for (reversal of) credit losses | (a) + (b) | $ | 73,500 |  |  | $ | (35,000) |  |  | $ | 210,653 |
Schedule of Carrying Value of Loans Transferred, Loans Sold and Purchased for the Held-for-Investment Portfolio | The following tables provide information on the carrying value of loans transferred, loans sold and purchased for the held-for-investment portfolio, during the years ended December 31, 2022, 2021 and 2020:
|  | Year Ended December 31, 2022
|  | Commercial |  | Consumer |  |
|  |  |  | CRE |  | Residential Mortgage |  |  |  |
($ in thousands) |  | C&I |  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single-Family Residential |  |  |  |  |  | Total
Loans transferred from held-for-investment to held-for-sale (1) |  | $ | 530,524 |  |  | $ | 88,075 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,178 |  |  |  |  |  |  | $ | 623,777 |
Loans transferred from held-for-sale to held-for-investment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 631 |  |  |  |  |  |  | $ | 631 |
Sales (2)(3)(4) |  | $ | 501,289 |  |  | $ | 88,075 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,403 |  |  |  |  |  |  | $ | 595,767 |
Purchases (5) |  | $ | 363,549 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 293,721 |  |  |  |  |  |  | $ | 657,270 |
|  | Year Ended December 31, 2021
|  | Commercial |  | Consumer |  |
|  |  |  | CRE |  | Residential Mortgage |  |  |  |
($ in thousands) |  | C&I |  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single-Family Residential |  |  |  |  |  | Total
Loans transferred from held-for-investment to held-for-sale (1) |  | $ | 496,655 |  |  | $ | 78,834 |  |  | $ | — |  |  | $ | 18,883 |  |  | $ | 5,238 |  |  |  |  |  |  | $ | 599,610 |
Sales (2)(3)(4) |  | $ | 502,694 |  |  | $ | 78,834 |  |  | $ | — |  |  | $ | 21,557 |  |  | $ | 18,458 |  |  |  |  |  |  | $ | 621,543 |
Purchases (5) |  | $ | 479,690 |  |  | $ | — |  |  | $ | 370 |  |  | $ | — |  |  | $ | 564,651 |  |  |  |  |  |  | $ | 1,044,711 |
|  | Year Ended December 31, 2020
|  | Commercial |  | Consumer |  |
|  |  |  | CRE |  | Residential Mortgage |  |  |  |
($ in thousands) |  | C&I |  | CRE |  | Multifamily Residential |  | Construction and Land |  | Single-Family Residential |  |  |  |  |  | Total
Loans transferred from held-for-investment to held-for-sale (1) |  | $ | 300,677 |  |  | $ | 26,994 |  |  | $ | 1,398 |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | 329,069 |
Sales (2)(3)(4) |  | $ | 303,520 |  |  | $ | 26,994 |  |  | $ | 1,398 |  |  | $ | — |  |  | $ | 80,309 |  |  |  |  |  |  | $ | 412,221 |
Purchases (5) |  | $ | 154,154 |  |  | $ | — |  |  | $ | 2,358 |  |  | $ | — |  |  | $ | 233,068 |  |  |  |  |  |  | $ | 389,580 |
(1)Includes write-downs of $3.1 million, $12.2 million and $2.8 million to the allowance for loan losses related to loans transferred from held-for-investment to held-for-sale for the years ended December 31, 2022, 2021 and 2020, respectively. (2)Includes originated loans sold of $387.5 million, $413.1 million and $400.4 million for the years ended December 31, 2022, 2021 and 2020, respectively. Originated loans sold consisted primarily of C&I and CRE loans for all periods. (3)Includes $208.2 million, $208.4 million and $11.8 million of purchased loans sold in the secondary market for the years ended December 31, 2022, 2021 and 2020, respectively. (4)Net gains on sales of loans were $6.4 million, $8.9 million and $4.5 million for the years ended December 31, 2022, 2021 and 2020, respectively. (5)C&I loan purchases were comprised primarily of syndicated C&I term loans.

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