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Allowance for Loan and Lease Losses and Unfunded Commitments and Letters of Credit (Tables) | 3 Months Ended
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Mar. 31, 2016
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, 2016 and 2015:
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recovery) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Three months ended March 31, 2016 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 32,321 |  |  | $ | (3,770 | ) |  | $ | 611 |  |  | $ | 2,952 |  |  | $ | 32,114 |  |  | $ | 2,500 |  |  | $ | 29,614 |
Unsecured |  | 1,299 |  |  | (3 | ) |  | 51 |  |  | (47 | ) |  | 1,300 |  |  | — |  |  | 1,300 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 916 |  |  | — |  |  | 41 |  |  | (303 | ) |  | 654 |  |  | — |  |  | 654 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 1,178 |  |  | — |  |  | — |  |  | 84 |  |  | 1,262 |  |  | — |  |  | 1,262 |
Income property |  | 6,616 |  |  | — |  |  | 61 |  |  | 725 |  |  | 7,402 |  |  | — |  |  | 7,402 |
Owner occupied |  | 5,550 |  |  | — |  |  | 8 |  |  | 528 |  |  | 6,086 |  |  | — |  |  | 6,086 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 339 |  |  | — |  |  | 51 |  |  | 250 |  |  | 640 |  |  | — |  |  | 640 |
Residential construction |  | 733 |  |  | — |  |  | 203 |  |  | 513 |  |  | 1,449 |  |  | — |  |  | 1,449 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 388 |  |  | — |  |  | 1 |  |  | 326 |  |  | 715 |  |  | — |  |  | 715 |
Owner occupied |  | 1,006 |  |  | — |  |  | — |  |  | 204 |  |  | 1,210 |  |  | — |  |  | 1,210 |
Consumer |  | 3,531 |  |  | (266 | ) |  | 165 |  |  | (62 | ) |  | 3,368 |  |  | 15 |  |  | 3,353 |
Purchased credit impaired |  | 13,726 |  |  | (2,866 | ) |  | 1,551 |  |  | 653 |  |  | 13,064 |  |  | — |  |  | 13,064 |
Unallocated |  | 569 |  |  | — |  |  | — |  |  | (569 | ) |  | — |  |  | — |  |  | — |
Total |  | $ | 68,172 |  |  | $ | (6,905 | ) |  | $ | 2,743 |  |  | $ | 5,254 |  |  | $ | 69,264 |  |  | $ | 2,515 |  |  | $ | 66,749 |
|  | 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 |
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,
|  | 2016 |  | 2015
|  | (in thousands)
Balance at beginning of period |  | $ | 2,930 |  |  | $ | 2,655 |
Net changes in the allowance for unfunded commitments and letters of credit |  | — |  |  | — |
Balance at end of period |  | $ | 2,930 |  |  | $ | 2,655 |
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, 2016 and December 31, 2015:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2016 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 2,185,283 |  |  | $ | 54,957 |  |  | $ | 63,792 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,304,032 |
Unsecured |  | 91,737 |  |  | 277 |  |  | 562 |  |  | — |  |  | — |  |  | 92,576 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 170,788 |  |  | 461 |  |  | 1,075 |  |  | — |  |  | — |  |  | 172,324 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 213,936 |  |  | 4,804 |  |  | 423 |  |  | — |  |  | — |  |  | 219,163 |
Income property |  | 1,306,718 |  |  | 6,394 |  |  | 11,351 |  |  | — |  |  | — |  |  | 1,324,463 |
Owner occupied |  | 933,090 |  |  | 7,978 |  |  | 15,126 |  |  | — |  |  | — |  |  | 956,194 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 12,915 |  |  | — |  |  | 205 |  |  | — |  |  | — |  |  | 13,120 |
Residential construction |  | 118,843 |  |  | — |  |  | 845 |  |  | — |  |  | — |  |  | 119,688 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 86,584 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 86,584 |
Owner occupied |  | 90,807 |  |  | — |  |  | 3,936 |  |  | — |  |  | — |  |  | 94,743 |
Consumer |  | 313,249 |  |  | — |  |  | 7,946 |  |  | — |  |  | — |  |  | 321,195 |
Total |  | $ | 5,523,950 |  |  | $ | 74,871 |  |  | $ | 105,261 |  |  | $ | — |  |  | $ | — |  |  | 5,704,082 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 56,200 |
Loans, excluding PCI loans, net |  | $ | 5,647,882 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2015 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 2,146,729 |  |  | $ | 59,746 |  |  | $ | 56,217 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,262,692 |
Unsecured |  | 93,347 |  |  | 278 |  |  | 1,323 |  |  | — |  |  | — |  |  | 94,948 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 171,945 |  |  | 52 |  |  | 1,439 |  |  | — |  |  | — |  |  | 173,436 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 207,768 |  |  | 4,966 |  |  | 424 |  |  | — |  |  | — |  |  | 213,158 |
Income property |  | 1,296,043 |  |  | 5,889 |  |  | 8,847 |  |  | — |  |  | — |  |  | 1,310,779 |
Owner occupied |  | 918,986 |  |  | 9,668 |  |  | 17,662 |  |  | — |  |  | — |  |  | 946,316 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 14,388 |  |  | — |  |  | 362 |  |  | — |  |  | — |  |  | 14,750 |
Residential construction |  | 119,243 |  |  | — |  |  | 1,132 |  |  | — |  |  | — |  |  | 120,375 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 83,634 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 83,634 |
Owner occupied |  | 81,270 |  |  | — |  |  | 401 |  |  | — |  |  | — |  |  | 81,671 |
Consumer |  | 328,286 |  |  | — |  |  | 4,076 |  |  | — |  |  | — |  |  | 332,362 |
Total |  | $ | 5,461,639 |  |  | $ | 80,599 |  |  | $ | 91,883 |  |  | $ | — |  |  | $ | — |  |  | 5,634,121 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 54,446 |
Loans, excluding PCI loans, net |  | $ | 5,579,675 |
The following is an analysis of the credit quality of our PCI loan portfolio as of March 31, 2016 and December 31, 2015:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2016 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 31,706 |  |  | $ | 99 |  |  | $ | 5,297 |  |  | $ | — |  |  | $ | — |  |  | $ | 37,102 |
Unsecured |  | 1,106 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1,107 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 23,766 |  |  | — |  |  | 2,000 |  |  | — |  |  | — |  |  | 25,766 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 8,037 |  |  | — |  |  | 623 |  |  | — |  |  | — |  |  | 8,660 |
Income property |  | 33,558 |  |  | — |  |  | 3,970 |  |  | — |  |  | — |  |  | 37,528 |
Owner occupied |  | 52,487 |  |  | — |  |  | 1,709 |  |  | — |  |  | — |  |  | 54,196 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 1,143 |  |  | — |  |  | 315 |  |  | — |  |  | — |  |  | 1,458 |
Residential construction |  | 414 |  |  | — |  |  | 328 |  |  | — |  |  | — |  |  | 742 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 1,283 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,283 |
Owner occupied |  | 526 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 526 |
Consumer |  | 19,531 |  |  | — |  |  | 695 |  |  | — |  |  | — |  |  | 20,226 |
Total |  | $ | 173,557 |  |  | $ | 99 |  |  | $ | 14,938 |  |  | $ | — |  |  | $ | — |  |  | 188,594 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 15,393 |
Allowance for loan losses |  | 13,064 |
PCI loans, net |  | $ | 160,137 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2015 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 31,468 |  |  | $ | 101 |  |  | $ | 5,995 |  |  | $ | — |  |  | $ | — |  |  | $ | 37,564 |
Unsecured |  | 1,218 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 1,220 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 25,018 |  |  | — |  |  | 2,177 |  |  | — |  |  | — |  |  | 27,195 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 8,234 |  |  | — |  |  | 664 |  |  | — |  |  | — |  |  | 8,898 |
Income property |  | 36,426 |  |  | — |  |  | 5,916 |  |  | — |  |  | — |  |  | 42,342 |
Owner occupied |  | 53,071 |  |  | 261 |  |  | 1,736 |  |  | — |  |  | — |  |  | 55,068 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 1,086 |  |  | — |  |  | 479 |  |  | — |  |  | — |  |  | 1,565 |
Residential construction |  | 427 |  |  | — |  |  | 334 |  |  | — |  |  | — |  |  | 761 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 1,303 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,303 |
Owner occupied |  | 531 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 531 |
Consumer |  | 20,122 |  |  | — |  |  | 781 |  |  | — |  |  | — |  |  | 20,903 |
Total |  | $ | 178,904 |  |  | $ | 362 |  |  | $ | 18,084 |  |  | $ | — |  |  | $ | — |  |  | 197,350 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 16,444 |
Allowance for loan losses |  | 13,726 |
PCI loans, net |  | $ | 167,180 |

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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=49124121&loc=SL6953423-111524 + Details
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- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
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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 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: 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=49124121&loc=SL6953659-111524 + Details
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