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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, 2017
Financing Receivable, Allowance for Credit Losses [Line Items] |
Allowance for Credit Losses on Financing Receivables | The following tables show a detailed analysis of the allowance for the three months ended March 31, 2017 and 2016:
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recovery) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Three months ended March 31, 2017 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 36,050 |  |  | $ | (1,109 | ) |  | $ | 297 |  |  | $ | 434 |  |  | $ | 35,672 |  |  | $ | — |  |  | $ | 35,672 |
Unsecured |  | 960 |  |  | (18 | ) |  | 68 |  |  | 178 |  |  | 1,188 |  |  | — |  |  | 1,188 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 599 |  |  | (307 | ) |  | 117 |  |  | 236 |  |  | 645 |  |  | 11 |  |  | 634 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 1,797 |  |  | — |  |  | — |  |  | 491 |  |  | 2,288 |  |  | — |  |  | 2,288 |
Income property |  | 7,342 |  |  | — |  |  | 35 |  |  | (574 | ) |  | 6,803 |  |  | 26 |  |  | 6,777 |
Owner occupied |  | 6,439 |  |  | — |  |  | 43 |  |  | 52 |  |  | 6,534 |  |  | — |  |  | 6,534 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 316 |  |  | (14 | ) |  | 20 |  |  | 187 |  |  | 509 |  |  | — |  |  | 509 |
Residential construction |  | 669 |  |  | — |  |  | 9 |  |  | 431 |  |  | 1,109 |  |  | — |  |  | 1,109 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 404 |  |  | — |  |  | — |  |  | 378 |  |  | 782 |  |  | — |  |  | 782 |
Owner occupied |  | 1,192 |  |  | — |  |  | — |  |  | 576 |  |  | 1,768 |  |  | — |  |  | 1,768 |
Consumer |  | 3,534 |  |  | (428 | ) |  | 285 |  |  | (31 | ) |  | 3,360 |  |  | 57 |  |  | 3,303 |
Purchased credit impaired |  | 10,515 |  |  | (1,939 | ) |  | 1,144 |  |  | (325 | ) |  | 9,395 |  |  | — |  |  | 9,395 |
Unallocated |  | 226 |  |  | — |  |  | — |  |  | 742 |  |  | 968 |  |  | — |  |  | 968 |
Total |  | $ | 70,043 |  |  | $ | (3,815 | ) |  | $ | 2,018 |  |  | $ | 2,775 |  |  | $ | 71,021 |  |  | $ | 94 |  |  | $ | 70,927 |
|  | 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 |
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 Sheets, are summarized as follows:
|  | Three Months Ended
|  | March 31,
|  | 2017 |  | 2016
|  | (in thousands)
Balance at beginning of period |  | $ | 2,705 |  |  | $ | 2,930 |
Net changes in the allowance for unfunded commitments and letters of credit |  | 850 |  |  | — |
Balance at end of period |  | $ | 3,555 |  |  | $ | 2,930 |
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, 2017 and December 31, 2016:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2017 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 2,297,687 |  |  | $ | 40,267 |  |  | $ | 126,506 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,464,460 |
Unsecured |  | 89,171 |  |  | 850 |  |  | 452 |  |  | — |  |  | — |  |  | 90,473 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 169,158 |  |  | — |  |  | 1,041 |  |  | — |  |  | — |  |  | 170,199 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 270,840 |  |  | 5,199 |  |  | 7,252 |  |  | — |  |  | — |  |  | 283,291 |
Income property |  | 1,345,290 |  |  | 6,321 |  |  | 18,464 |  |  | — |  |  | — |  |  | 1,370,075 |
Owner occupied |  | 1,077,648 |  |  | 3,673 |  |  | 30,003 |  |  | — |  |  | — |  |  | 1,111,324 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 6,799 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,799 |
Residential construction |  | 107,571 |  |  | — |  |  | 213 |  |  | — |  |  | — |  |  | 107,784 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 106,227 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 106,227 |
Owner occupied |  | 60,315 |  |  | — |  |  | 4,050 |  |  | — |  |  | — |  |  | 64,365 |
Consumer |  | 307,559 |  |  | 1 |  |  | 6,675 |  |  | — |  |  | — |  |  | 314,235 |
Total |  | $ | 5,838,265 |  |  | $ | 56,311 |  |  | $ | 194,656 |  |  | $ | — |  |  | $ | — |  |  | 6,089,232 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 61,626 |
Loans, excluding PCI loans, net |  | $ | 6,027,606 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2016 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 2,289,307 |  |  | $ | 65,846 |  |  | $ | 96,437 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,451,590 |
Unsecured |  | 93,721 |  |  | 800 |  |  | 216 |  |  | — |  |  | — |  |  | 94,737 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 164,797 |  |  | 395 |  |  | 2,740 |  |  | — |  |  | — |  |  | 167,932 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 263,195 |  |  | 3,228 |  |  | 4,391 |  |  | — |  |  | — |  |  | 270,814 |
Income property |  | 1,341,978 |  |  | 17,902 |  |  | 9,866 |  |  | — |  |  | — |  |  | 1,369,746 |
Owner occupied |  | 1,027,019 |  |  | 6,608 |  |  | 26,351 |  |  | — |  |  | — |  |  | 1,059,978 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 11,541 |  |  | — |  |  | 15 |  |  | — |  |  | — |  |  | 11,556 |
Residential construction |  | 108,941 |  |  | — |  |  | 688 |  |  | — |  |  | — |  |  | 109,629 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 103,779 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 103,779 |
Owner occupied |  | 98,948 |  |  | 88 |  |  | 4,444 |  |  | — |  |  | — |  |  | 103,480 |
Consumer |  | 317,728 |  |  | — |  |  | 6,794 |  |  | — |  |  | — |  |  | 324,522 |
Total |  | $ | 5,820,954 |  |  | $ | 94,867 |  |  | $ | 151,942 |  |  | $ | — |  |  | $ | — |  |  | 6,067,763 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 59,528 |
Loans, excluding PCI loans, net |  | $ | 6,008,235 |
The following is an analysis of the credit quality of our PCI loan portfolio as of March 31, 2017 and December 31, 2016:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2017 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 18,443 |  |  | $ | 89 |  |  | $ | 1,022 |  |  | $ | — |  |  | $ | — |  |  | $ | 19,554 |
Unsecured |  | 738 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 738 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 16,571 |  |  | — |  |  | 1,037 |  |  | — |  |  | — |  |  | 17,608 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 8,703 |  |  | 2,032 |  |  | — |  |  | — |  |  | — |  |  | 10,735 |
Income property |  | 27,857 |  |  | — |  |  | 138 |  |  | — |  |  | — |  |  | 27,995 |
Owner occupied |  | 53,380 |  |  | — |  |  | 820 |  |  | — |  |  | — |  |  | 54,200 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 401 |  |  | — |  |  | 78 |  |  | — |  |  | — |  |  | 479 |
Residential construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 799 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 799 |
Owner occupied |  | 290 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 290 |
Consumer |  | 16,045 |  |  | — |  |  | 440 |  |  | — |  |  | — |  |  | 16,485 |
Total |  | $ | 143,227 |  |  | $ | 2,121 |  |  | $ | 3,535 |  |  | $ | — |  |  | $ | — |  |  | 148,883 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 9,979 |
Allowance for loan losses |  | 9,395 |
PCI loans, net |  | $ | 129,509 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2016 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 18,824 |  |  | $ | 92 |  |  | $ | 1,954 |  |  | $ | — |  |  | $ | — |  |  | $ | 20,870 |
Unsecured |  | 736 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 736 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 19,293 |  |  | — |  |  | 1,350 |  |  | — |  |  | — |  |  | 20,643 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 7,333 |  |  | — |  |  | 213 |  |  | — |  |  | — |  |  | 7,546 |
Income property |  | 31,042 |  |  | — |  |  | 1,678 |  |  | — |  |  | — |  |  | 32,720 |
Owner occupied |  | 53,623 |  |  | — |  |  | 906 |  |  | — |  |  | — |  |  | 54,529 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 744 |  |  | — |  |  | 88 |  |  | — |  |  | — |  |  | 832 |
Residential construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 1,217 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,217 |
Owner occupied |  | 509 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 509 |
Consumer |  | 17,202 |  |  | — |  |  | 447 |  |  | — |  |  | — |  |  | 17,649 |
Total |  | $ | 150,523 |  |  | $ | 92 |  |  | $ | 6,636 |  |  | $ | — |  |  | $ | — |  |  | 157,251 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 11,591 |
Allowance for loan losses |  | 10,515 |
PCI loans, net |  | $ | 135,145 |

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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=66008989&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=66008989&loc=SL6953659-111524 + Details
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