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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, 2018
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, 2018 and 2017:
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recovery) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Three months ended March 31, 2018 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 29,341 |  |  | $ | (2,414 | ) |  | $ | 553 |  |  | $ | 9,851 |  |  | $ | 37,331 |  |  | $ | 5,657 |  |  | $ | 31,674 |
Unsecured |  | 2,000 |  |  | (63 | ) |  | 249 |  |  | 409 |  |  | 2,595 |  |  | 2 |  |  | 2,593 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 701 |  |  | — |  |  | 172 |  |  | (315 | ) |  | 558 |  |  | 22 |  |  | 536 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 4,265 |  |  | — |  |  | 6 |  |  | (526 | ) |  | 3,745 |  |  | — |  |  | 3,745 |
Income property |  | 5,672 |  |  | (223 | ) |  | 141 |  |  | (888 | ) |  | 4,702 |  |  | — |  |  | 4,702 |
Owner occupied |  | 5,459 |  |  | — |  |  | 12 |  |  | (722 | ) |  | 4,749 |  |  | 5 |  |  | 4,744 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 963 |  |  | — |  |  | 16 |  |  | (67 | ) |  | 912 |  |  | — |  |  | 912 |
Residential construction |  | 3,709 |  |  | — |  |  | 3 |  |  | 924 |  |  | 4,636 |  |  | — |  |  | 4,636 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 7,053 |  |  | — |  |  | — |  |  | 421 |  |  | 7,474 |  |  | — |  |  | 7,474 |
Owner occupied |  | 4,413 |  |  | — |  |  | — |  |  | (2,490 | ) |  | 1,923 |  |  | — |  |  | 1,923 |
Consumer |  | 5,163 |  |  | (264 | ) |  | 260 |  |  | 57 |  |  | 5,216 |  |  | 171 |  |  | 5,045 |
Purchased credit impaired |  | 6,907 |  |  | (1,343 | ) |  | 1,224 |  |  | (1,123 | ) |  | 5,665 |  |  | — |  |  | 5,665 |
Unallocated |  | — |  |  | — |  |  | — |  |  | 321 |  |  | 321 |  |  | — |  |  | 321 |
Total |  | $ | 75,646 |  |  | $ | (4,307 | ) |  | $ | 2,636 |  |  | $ | 5,852 |  |  | $ | 79,827 |  |  | $ | 5,857 |  |  | $ | 73,970 |
|  | 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 |
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,
|  | 2018 |  | 2017
|  | (in thousands)
Balance at beginning of period |  | $ | 3,130 |  |  | $ | 2,705 |
Net changes in the allowance for unfunded commitments and letters of credit |  | 1,200 |  |  | 850 |
Balance at end of period |  | $ | 4,330 |  |  | $ | 3,555 |
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, 2018 and December 31, 2017:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2018 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 3,067,417 |  |  | $ | 47,672 |  |  | $ | 151,170 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,266,259 |
Unsecured |  | 119,416 |  |  | — |  |  | 663 |  |  | — |  |  | — |  |  | 120,079 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 177,122 |  |  | 1,208 |  |  | 2,238 |  |  | — |  |  | — |  |  | 180,568 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 279,949 |  |  | 1,288 |  |  | 8,227 |  |  | — |  |  | — |  |  | 289,464 |
Income property |  | 1,837,613 |  |  | 19,863 |  |  | 16,698 |  |  | — |  |  | — |  |  | 1,874,174 |
Owner occupied |  | 1,542,605 |  |  | 8,986 |  |  | 39,350 |  |  | — |  |  | — |  |  | 1,590,941 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 6,540 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,540 |
Residential construction |  | 199,868 |  |  | — |  |  | 1,210 |  |  | — |  |  | — |  |  | 201,078 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 303,079 |  |  | — |  |  | 3,058 |  |  | — |  |  | — |  |  | 306,137 |
Owner occupied |  | 67,672 |  |  | — |  |  | 5,344 |  |  | — |  |  | — |  |  | 73,016 |
Consumer |  | 314,223 |  |  | — |  |  | 7,853 |  |  | — |  |  | — |  |  | 322,076 |
Total |  | $ | 7,915,504 |  |  | $ | 79,017 |  |  | $ | 235,811 |  |  | $ | — |  |  | $ | — |  |  | 8,230,332 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 74,162 |
Loans, excluding PCI loans, net |  | $ | 8,156,170 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2017 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 3,049,031 |  |  | $ | 64,600 |  |  | $ | 122,030 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,235,661 |
Unsecured |  | 123,621 |  |  | — |  |  | 554 |  |  | — |  |  | — |  |  | 124,175 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 183,312 |  |  | 1,186 |  |  | 2,056 |  |  | — |  |  | — |  |  | 186,554 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 283,673 |  |  | 5,204 |  |  | 7,104 |  |  | — |  |  | — |  |  | 295,981 |
Income property |  | 1,857,832 |  |  | 17,181 |  |  | 31,323 |  |  | — |  |  | — |  |  | 1,906,336 |
Owner occupied |  | 1,546,775 |  |  | 7,380 |  |  | 45,831 |  |  | — |  |  | — |  |  | 1,599,986 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 9,882 |  |  | — |  |  | 25 |  |  | — |  |  | — |  |  | 9,907 |
Residential construction |  | 187,863 |  |  | — |  |  | 1,828 |  |  | — |  |  | — |  |  | 189,691 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 293,028 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 293,028 |
Owner occupied |  | 68,393 |  |  | — |  |  | 4,050 |  |  | — |  |  | — |  |  | 72,443 |
Consumer |  | 323,129 |  |  | — |  |  | 9,096 |  |  | — |  |  | — |  |  | 332,225 |
Total |  | $ | 7,926,539 |  |  | $ | 95,551 |  |  | $ | 223,897 |  |  | $ | — |  |  | $ | — |  |  | 8,245,987 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan and lease losses |  | 68,739 |
Loans, excluding PCI loans, net |  | $ | 8,177,248 |
The following is an analysis of the credit quality of our PCI loan portfolio as of March 31, 2018 and December 31, 2017:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2018 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 12,582 |  |  | $ | — |  |  | $ | 728 |  |  | $ | — |  |  | $ | — |  |  | $ | 13,310 |
Unsecured |  | 891 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 891 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 11,967 |  |  | — |  |  | 771 |  |  | — |  |  | — |  |  | 12,738 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 12,223 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,223 |
Income property |  | 22,384 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 22,384 |
Owner occupied |  | 41,874 |  |  | — |  |  | 919 |  |  | — |  |  | — |  |  | 42,793 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 164 |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 171 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 589 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 589 |
Consumer |  | 11,514 |  |  | — |  |  | 475 |  |  | — |  |  | — |  |  | 11,989 |
Total |  | $ | 114,188 |  |  | $ | — |  |  | $ | 2,900 |  |  | $ | — |  |  | $ | — |  |  | 117,088 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 7,789 |
Allowance for loan losses |  | 5,665 |
PCI loans, net |  | $ | 103,634 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2017 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 11,918 |  |  | $ | — |  |  | $ | 723 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,641 |
Unsecured |  | 1,045 |  |  | — |  |  | 67 |  |  | — |  |  | — |  |  | 1,112 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 13,817 |  |  | — |  |  | 793 |  |  | — |  |  | — |  |  | 14,610 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 9,460 |  |  | 349 |  |  | — |  |  | — |  |  | — |  |  | 9,809 |
Income property |  | 25,981 |  |  | — |  |  | 35 |  |  | — |  |  | — |  |  | 26,016 |
Owner occupied |  | 42,617 |  |  | — |  |  | 769 |  |  | — |  |  | — |  |  | 43,386 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 169 |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | 177 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 595 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 595 |
Consumer |  | 11,705 |  |  | — |  |  | 707 |  |  | — |  |  | — |  |  | 12,412 |
Total |  | $ | 117,307 |  |  | $ | 349 |  |  | $ | 3,102 |  |  | $ | — |  |  | $ | — |  |  | 120,758 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 8,088 |
Allowance for loan losses |  | 6,907 |
PCI loans, net |  | $ | 105,763 |

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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=84173941&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=82894031&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=84173941&loc=SL6953659-111524 + Details
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