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Loans (Tables)

3 Months Ended

Mar. 31, 2016

Financing Receivable, Recorded Investment [Line Items]

Analysis of Loan Portfolio by Major Types of Loans

The following is an analysis of the loan portfolio by segment (net of unearned income):

		March 31, 2016												December 31, 2015
		Loans, excluding PCI loans				PCI Loans				Total				Loans, excluding PCI loans				PCI Loans				Total
		(in thousands)
Commercial business		$	2,401,193			$	34,474			$	2,435,667			$	2,362,575			$	34,848			$	2,397,423
Real estate:
One-to-four family residential		175,050				22,720				197,770				176,295				23,938				200,233
Commercial and multifamily residential		2,520,352				93,979				2,614,331				2,491,736				99,389				2,591,125
Total real estate		2,695,402				116,699				2,812,101				2,668,031				123,327				2,791,358
Real estate construction:
One-to-four family residential		133,447				2,163				135,610				135,874				2,278				138,152
Commercial and multifamily residential		183,548				1,618				185,166				167,413				1,630				169,043
Total real estate construction		316,995				3,781				320,776				303,287				3,908				307,195
Consumer		329,902				18,247				348,149				342,601				18,823				361,424
Less: Net unearned income		(39,410		)		—				(39,410		)		(42,373		)		—				(42,373		)
Total loans, net of unearned income		5,704,082				173,201				5,877,283				5,634,121				180,906				5,815,027
Less: Allowance for loan and lease losses		(56,200		)		(13,064		)		(69,264		)		(54,446		)		(13,726		)		(68,172		)
Total loans, net		$	5,647,882			$	160,137			$	5,808,019			$	5,579,675			$	167,180			$	5,746,855
Loans held for sale		$	3,681			$	—			$	3,681			$	4,509			$	—			$	4,509

Loans, Excluding Purchased Credit Impaired Loans [Member]

Financing Receivable, Recorded Investment [Line Items]

Analysis of Nonaccrual Loans

The following is an analysis of nonaccrual loans as of March 31, 2016 and December 31, 2015:

		March 31, 2016								December 31, 2015
		Recorded Investment Nonaccrual Loans				Unpaid Principal Balance Nonaccrual Loans				Recorded Investment Nonaccrual Loans				Unpaid Principal Balance Nonaccrual Loans
		(in thousands)
Commercial business:
Secured		$	22,452			$	31,039			$	9,395			$	15,688
Unsecured		107				331				42				256
Real estate:
One-to-four family residential		730				1,702				820				1,866
Commercial & multifamily residential:
Commercial land		238				247				349				332
Income property		2,897				3,185				2,843				3,124
Owner occupied		4,982				7,473				6,321				8,943
Real estate construction:
One-to-four family residential:
Land and acquisition		205				231				362				385
Residential construction		563				563				566				679
Consumer		4,717				4,985				766				990
Total		$	36,891			$	49,756			$	21,464			$	32,263

Analysis of the Aged Loan Portfolio

The following is an aging of the recorded investment of the loan portfolio as of March 31, 2016 and December 31, 2015:

		Current Loans				30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Nonaccrual Loans				Total Loans
March 31, 2016		(in thousands)
Commercial business:
Secured		$	2,277,121			$	4,148			$	311			$	—			$	4,459			$	22,452			$	2,304,032
Unsecured		91,785				684				—				—				684				107				92,576
Real estate:
One-to-four family residential		170,846				686				62				—				748				730				172,324
Commercial & multifamily residential:
Commercial land		218,925				—				—				—				—				238				219,163
Income property		1,321,566				—				—				—				—				2,897				1,324,463
Owner occupied		946,635				4,577				—				—				4,577				4,982				956,194
Real estate construction:
One-to-four family residential:
Land and acquisition		12,915				—				—				—				—				205				13,120
Residential construction		119,125				—				—				—				—				563				119,688
Commercial & multifamily residential:
Income property		86,584				—				—				—				—				—				86,584
Owner occupied		94,743				—				—				—				—				—				94,743
Consumer		314,197				1,541				740				—				2,281				4,717				321,195
Total		$	5,654,442			$	11,636			$	1,113			$	—			$	12,749			$	36,891			$	5,704,082
		Current Loans				30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 90 Days Past Due				Total Past Due				Nonaccrual Loans				Total Loans
December 31, 2015		(in thousands)
Commercial business:
Secured		$	2,241,069			$	11,611			$	617			$	—			$	12,228			$	9,395			$	2,262,692
Unsecured		94,867				39				—				—				39				42				94,948
Real estate:
One-to-four family residential		170,913				1,637				66				—				1,703				820				173,436
Commercial & multifamily residential:
Commercial land		212,740				69				—				—				69				349				213,158
Income property		1,305,502				1,750				684				—				2,434				2,843				1,310,779
Owner occupied		939,396				599				—				—				599				6,321				946,316
Real estate construction:
One-to-four family residential:
Land and acquisition		14,388				—				—				—				—				362				14,750
Residential construction		119,809				—				—				—				—				566				120,375
Commercial & multifamily residential:
Income property		83,634				—				—				—				—				—				83,634
Owner occupied		81,671				—				—				—				—				—				81,671
Consumer		328,219				2,597				780				—				3,377				766				332,362
Total		$	5,592,208			$	18,302			$	2,147			$	—			$	20,449			$	21,464			$	5,634,121

Impaired Financing Receivables

The following is an analysis of impaired loans as of March 31, 2016 and December 31, 2015:

		Recorded Investment of Loans Collectively Measured for Contingency Provision				Recorded Investment of Loans Individually Measured for Specific Impairment				Impaired Loans With Recorded Allowance												Impaired Loans Without Recorded Allowance
										Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance
March 31, 2016		(in thousands)
Commercial business:
Secured		$	2,285,351			$	18,681			$	11,861			$	11,996			$	2,500			$	6,820			$	12,314
Unsecured		92,576				—				—				—				—				—				—
Real estate:
One-to-four family residential		171,660				664				—				—				—				664				1,093
Commercial & multifamily residential:
Commercial land		219,163				—				—				—				—				—				—
Income property		1,322,410				2,053				—				—				—				2,053				2,257
Owner occupied		951,216				4,978				—				—				—				4,978				7,390
Real estate construction:
One-to-four family residential:
Land and acquisition		12,810				310				—				—				—				310				334
Residential construction		119,126				562				—				—				—				562				562
Commercial & multifamily residential:
Income property		86,584				—				—				—				—				—				—
Owner occupied		94,743				—				—				—				—				—				—
Consumer		319,628				1,567				15				15				15				1,552				1,634
Total		$	5,675,267			$	28,815			$	11,876			$	12,011			$	2,515			$	16,939			$	25,584
		Recorded Investment of Loans Collectively Measured for Contingency Provision				Recorded Investment of Loans Individually Measured for Specific Impairment				Impaired Loans With Recorded Allowance												Impaired Loans Without Recorded Allowance
										Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance
December 31, 2015		(in thousands)
Commercial business:
Secured		$	2,257,168			$	5,524			$	690			$	718			$	321			$	4,834			$	6,455
Unsecured		94,948				—				—				—				—				—				—
Real estate:
One-to-four family residential		172,150				1,286				314				339				314				972				1,397
Commercial & multifamily residential:
Commercial land		213,158				—				—				—				—				—				—
Income property		1,308,673				2,106				—				—				—				2,106				2,311
Owner occupied		940,261				6,055				—				—				—				6,055				8,528
Real estate construction:
One-to-four family residential:
Land and acquisition		14,283				467				—				—				—				467				490
Residential construction		119,813				562				335				335				3				227				227
Commercial & multifamily residential:
Income property		83,634				—				—				—				—				—				—
Owner occupied		81,671				—				—				—				—				—				—
Consumer		332,282				80				15				15				15				65				139
Total		$	5,618,041			$	16,080			$	1,354			$	1,407			$	653			$	14,726			$	19,547

The following table provides additional information on impaired loans for the three month periods indicated:

		Three Months Ended March 31,
		2016								2015
		Average Recorded Investment Impaired Loans				Interest Recognized on Impaired Loans				Average Recorded Investment Impaired Loans				Interest Recognized on Impaired Loans
		(in thousands)
Commercial business:
Secured		$	12,103			$	17			$	10,698			$	7
Unsecured		—				—				1				—
Real estate:
One-to-four family residential		975				6				3,162				13
Commercial & multifamily residential:
Commercial land		—				—				235				—
Income property		2,080				3				4,168				10
Owner occupied		5,516				7				7,938				234
Real estate construction:
One-to-four family residential:
Land and acquisition		388				1				544				1
Residential construction		562				—				446				—
Consumer		824				2				404				2
Total		$	22,448			$	36			$	27,596			$	267

Analysis of loans classified as Troubled Debt Restructurings (“TDR”)

		Three Months Ended March 31,
		2016								2015
		Average Recorded Investment Impaired Loans				Interest Recognized on Impaired Loans				Average Recorded Investment Impaired Loans				Interest Recognized on Impaired Loans
		(in thousands)
Commercial business:
Secured		$	12,103			$	17			$	10,698			$	7
Unsecured		—				—				1				—
Real estate:
One-to-four family residential		975				6				3,162				13
Commercial & multifamily residential:
Commercial land		—				—				235				—
Income property		2,080				3				4,168				10
Owner occupied		5,516				7				7,938				234
Real estate construction:
One-to-four family residential:
Land and acquisition		388				1				544				1
Residential construction		562				—				446				—
Consumer		824				2				404				2
Total		$	22,448			$	36			$	27,596			$	267

The following is an analysis of loans classified as troubled debt restructurings (“TDR”) during the three months ended March 31, 2016 and 2015:

		Three months ended March 31, 2016											Three months ended March 31, 2015
		Number of TDR Modifications			Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Number of TDR Modifications			Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
		(dollars in thousands)
Commercial business:
Secured		3			$	1,370			$	1,370			—			$	—			$	—
Commercial and multifamily residential:
Owner occupied		1			250				250				—			—				—
Consumer		4			497				497				—			—				—
Total		8			$	2,117			$	2,117			—			$	—			$	—

Purchased Credit Impaired Loans [Member]

Financing Receivable, Recorded Investment [Line Items]

Analysis of Loan Portfolio by Major Types of Loans

The following is an analysis of our PCI loans, net of related allowance for losses and remaining valuation discounts as of March 31, 2016 and December 31, 2015:

		March 31, 2016				December 31, 2015
		(in thousands)
Commercial business		$	38,209			$	38,784
Real estate:
One-to-four family residential		25,766				27,195
Commercial and multifamily residential		100,384				106,308
Total real estate		126,150				133,503
Real estate construction:
One-to-four family residential		2,200				2,326
Commercial and multifamily residential		1,809				1,834
Total real estate construction		4,009				4,160
Consumer		20,226				20,903
Subtotal of PCI loans		188,594				197,350
Less:
Valuation discount resulting from acquisition accounting		15,393				16,444
Allowance for loan losses		13,064				13,726
PCI loans, net of allowance for loan losses		$	160,137			$	167,180

Changes in Accretable Yield for Acquired Loans

The following table shows the changes in accretable yield for PCI loans for the three months ended March 31, 2016 and 2015:

		Three Months Ended March 31,
		2016				2015
		(in thousands)
Balance at beginning of period		$	58,981			$	73,849
Accretion		(4,229		)		(6,319		)
Disposals		94				(1,093		)
Reclassifications from nonaccretable difference		1,761				2,289
Balance at end of period		$	56,607			$	68,726

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