v2.4.1.9

Allowance for Loan and Lease Losses and Unfunded Commitments and Letters of Credit (Tables)

3 Months Ended

Mar. 31, 2015

Financing Receivable, Allowance for Credit Losses [Line Items]

Allowance for Credit Losses on Financing Receivables

The following tables show a detailed analysis of the ALLL for the three months ended March 31, 2015 and 2014:

		Beginning Balance				Charge-offs				Recoveries				Provision (Recovery)				Ending Balance				Specific Reserve				General Allocation
Three months ended March 31, 2015		(in thousands)
Commercial business:
Secured		$	25,923			$	(1,386	)		$	512			$	712			$	25,761			$	24			$	25,737
Unsecured		927				(40		)		106				19				1,012				—				1,012
Real estate:
One-to-four family residential		2,281				(8		)		12				(921		)		1,364				115				1,249
Commercial & multifamily residential:
Commercial land		799				—				—				28				827				—				827
Income property		9,159				—				3,252				(3,971		)		8,440				—				8,440
Owner occupied		5,007				—				9				596				5,612				24				5,588
Real estate construction:
One-to-four family residential:
Land and acquisition		1,197				—				2				(173		)		1,026				67				959
Residential construction		1,860				—				26				(96		)		1,790				—				1,790
Commercial & multifamily residential:
Income property		622				—				3				202				827				—				827
Owner occupied		434				—				—				65				499				—				499
Consumer		3,180				(891		)		273				273				2,835				—				2,835
Purchased credit impaired		16,336				(4,100		)		1,686				2,609				16,531				—				16,531
Unallocated		1,844				—				—				1,866				3,710				—				3,710
Total		$	69,569			$	(6,425	)		$	5,881			$	1,209			$	70,234			$	230			$	70,004

		Beginning Balance				Charge-offs				Recoveries				Provision (Recovery)				Ending Balance				Specific Reserve				General Allocation
Three months ended March 31, 2014		(in thousands)
Commercial business:
Secured		$	31,027			$	(198	)		$	448			$	(2,476	)		$	28,801			$	1,521			$	27,280
Unsecured		696				(35		)		42				43				746				27				719
Real estate:
One-to-four family residential		1,252				(207		)		28				121				1,194				133				1,061
Commercial & multifamily residential:
Commercial land		489				—				17				73				579				—				579
Income property		9,234				—				13				860				10,107				—				10,107
Owner occupied		3,605				(1,023		)		9				1,969				4,560				38				4,522
Real estate construction:
One-to-four family residential:
Land and acquisition		610				—				39				(69		)		580				71				509
Residential construction		822				—				3				(129		)		696				—				696
Commercial & multifamily residential:
Income property		285				—				—				35				320				—				320
Owner occupied		58				—				—				96				154				—				154
Consumer		2,547				(727		)		253				564				2,637				3				2,634
Purchased credit impaired		20,174				(4,273		)		1,806				2,422				20,129				—				20,129
Unallocated		1,655				—				—				(1,587		)		68				—				68
Total		$	72,454			$	(6,463	)		$	2,658			$	1,922			$	70,571			$	1,793			$	68,778

Changes in the Allowance for Unfunded Commitments and Letters of Credit

Changes in the allowance for unfunded commitments and letters of credit, a component of other liabilities in the consolidated balance sheet, are summarized as follows:

		Three Months Ended
		March 31,
		2015				2014
		(in thousands)
Balance at beginning of period		$	2,655			$	2,505
Net changes in the allowance for unfunded commitments and letters of credit		—				(50		)
Balance at end of period		$	2,655			$	2,455

Financing Receivable Credit Quality Indicators

The following is an analysis of the credit quality of our loan portfolio, excluding PCI loans, as of March 31, 2015 and December 31, 2014:

		Pass				Special Mention				Substandard				Doubtful				Loss				Total
March 31, 2015		(in thousands)
Loans, excluding PCI loans:
Commercial business:
Secured		$	1,995,680			$	19,210			$	40,469			$	—			$	—			$	2,055,359
Unsecured		78,498				—				721				—				—				79,219
Real estate:
One-to-four family residential		162,448				1,465				6,394				—				—				170,307
Commercial and multifamily residential:
Commercial land		187,519				3,459				2,464				—				—				193,442
Income property		1,301,779				3,517				4,248				—				—				1,309,544
Owner occupied		828,244				1,757				16,186				—				—				846,187
Real estate construction:
One-to-four family residential:
Land and acquisition		16,180				166				452				—				—				16,798
Residential construction		103,257				680				1,708				—				—				105,645
Commercial and multifamily residential:
Income property		62,958				—				—				—				—				62,958
Owner occupied		54,563				—				876				—				—				55,439
Consumer		331,413				—				4,745				—				—				336,158
Total		$	5,122,539			$	30,254			$	78,263			$	—			$	—			5,231,056
Less:
Allowance for loan and lease losses																						53,703
Loans, excluding PCI loans, net																						$	5,177,353

		Pass				Special Mention				Substandard				Doubtful				Loss				Total
December 31, 2014		(in thousands)
Loans, excluding PCI loans:
Commercial business:
Secured		$	1,963,210			$	15,790			$	54,628			$	—			$	—			$	2,033,628
Unsecured		79,534				—				559				—				—				80,093
Real estate:
One-to-four family residential		163,914				55				7,795				—				—				171,764
Commercial and multifamily residential:
Commercial land		183,701				4,217				1,861				—				—				189,779
Income property		1,287,729				5,885				8,385				—				—				1,301,999
Owner occupied		825,694				7,876				11,171				—				—				844,741
Real estate construction:
One-to-four family residential:
Land and acquisition		15,307				167				1,036				—				—				16,510
Residential construction		96,031				909				1,581				—				—				98,521
Commercial and multifamily residential:
Income property		73,783				—				—				—				—				73,783
Owner occupied		58,055				—				889				—				—				58,944
Consumer		339,695				68				5,269				—				—				345,032
Total		$	5,086,653			$	34,967			$	93,174			$	—			$	—			5,214,794
Less:
Allowance for loan and lease losses																						53,233
Loans, excluding PCI loans, net																						$	5,161,561

The following is an analysis of the credit quality of our PCI loan portfolio as of March 31, 2015 and December 31, 2014:

		Pass				Special Mention				Substandard				Doubtful				Loss				Total
March 31, 2015		(in thousands)
PCI loans:
Commercial business:
Secured		$	39,919			$	1,040			$	9,060			$	—			$	—			$	50,019
Unsecured		2,057				—				39				—				—				2,096
Real estate:
One-to-four family residential		27,881				—				3,246				—				—				31,127
Commercial and multifamily residential:
Commercial land		8,739				—				1,668				—				—				10,407
Income property		45,298				—				12,031				—				—				57,329
Owner occupied		56,004				336				3,876				—				—				60,216
Real estate construction:
One-to-four family residential:
Land and acquisition		1,452				—				894				—				—				2,346
Residential construction		732				—				948				—				—				1,680
Commercial and multifamily residential:
Income property		1,359				—				224				—				—				1,583
Owner occupied		918				—				—				—				—				918
Consumer		23,431				—				1,959				—				—				25,390
Total		$	207,790			$	1,376			$	33,945			$	—			$	—			243,111
Less:
Valuation discount resulting from acquisition accounting																						23,272
Allowance for loan losses																						16,531
PCI loans, net																						$	203,308

		Pass				Special Mention				Substandard				Doubtful				Loss				Total
December 31, 2014		(in thousands)
PCI loans:
Commercial business:
Secured		$	37,927			$	937			$	9,223			$	—			$	—			$	48,087
Unsecured		2,156				—				91				—				—				2,247
Real estate:
One-to-four family residential		28,822				—				3,159				—				—				31,981
Commercial and multifamily residential:
Commercial land		9,104				—				6,240				—				—				15,344
Income property		51,435				1,892				7,186				—				—				60,513
Owner occupied		58,629				346				5,566				—				—				64,541
Real estate construction:
One-to-four family residential:
Land and acquisition		1,595				—				913				—				—				2,508
Residential construction		741				—				1,104				—				—				1,845
Commercial and multifamily residential:
Income property		1,435				—				227				—				—				1,662
Owner occupied		926				—				—				—				—				926
Consumer		24,037				—				2,777				—				—				26,814
Total		$	216,807			$	3,175			$	36,486			$	—			$	—			256,468
Less:
Valuation discount resulting from acquisition accounting																						25,884
Allowance for loan losses																						16,336
PCI loans, net																						$	214,248

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- Definition

Changes In The Allowance For Unfunded Loan Commitments And Letters Of Credit [Text Block]

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524



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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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