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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, 2019
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, 2019 and 2018:
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Three months ended March 31, 2019 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 43,188 |  |  | $ | (1,249 | ) |  | $ | 323 |  |  | $ | 1,355 |  |  | $ | 43,617 |  |  | $ | 2,829 |  |  | $ | 40,788 |
Unsecured |  | 2,626 |  |  | — |  |  | 157 |  |  | (288 | ) |  | 2,495 |  |  | — |  |  | 2,495 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 593 |  |  | (2 | ) |  | 17 |  |  | 8 |  |  | 616 |  |  | 8 |  |  | 608 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 3,947 |  |  | — |  |  | 7 |  |  | 634 |  |  | 4,588 |  |  | — |  |  | 4,588 |
Income property |  | 4,044 |  |  | — |  |  | 23 |  |  | 951 |  |  | 5,018 |  |  | — |  |  | 5,018 |
Owner occupied |  | 4,533 |  |  | — |  |  | 1 |  |  | 432 |  |  | 4,966 |  |  | 52 |  |  | 4,914 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 549 |  |  | — |  |  | 59 |  |  | (201 | ) |  | 407 |  |  | — |  |  | 407 |
Residential construction |  | 5,536 |  |  | (170 | ) |  | 1 |  |  | 99 |  |  | 5,466 |  |  | — |  |  | 5,466 |
Commercial & multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 5,784 |  |  | — |  |  | — |  |  | (1,267 | ) |  | 4,517 |  |  | — |  |  | 4,517 |
Owner occupied |  | 2,604 |  |  | — |  |  | — |  |  | (384 | ) |  | 2,220 |  |  | — |  |  | 2,220 |
Consumer |  | 5,301 |  |  | (478 | ) |  | 238 |  |  | 484 |  |  | 5,545 |  |  | 22 |  |  | 5,523 |
PCI |  | 3,611 |  |  | (1,089 | ) |  | 705 |  |  | 18 |  |  | 3,245 |  |  | — |  |  | 3,245 |
Unallocated |  | 1,053 |  |  | — |  |  | — |  |  | (479 | ) |  | 574 |  |  | — |  |  | 574 |
Total |  | $ | 83,369 |  |  | $ | (2,988 | ) |  | $ | 1,531 |  |  | $ | 1,362 |  |  | $ | 83,274 |  |  | $ | 2,911 |  |  | $ | 80,363 |
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | 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 |
PCI |  | 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 |
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,
|  | 2019 |  | 2018
|  | (in thousands)
Balance at beginning of period |  | $ | 4,330 |  |  | $ | 3,130 |
Net changes in the allowance for unfunded commitments and letters of credit |  | (550 | ) |  | 1,200 |
Balance at end of period |  | $ | 3,780 |  |  | $ | 4,330 |
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, 2019 and December 31, 2018:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2019 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 3,217,555 |  |  | $ | 58,919 |  |  | $ | 104,760 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,381,234 |
Unsecured |  | 115,089 |  |  | 26 |  |  | 102 |  |  | — |  |  | — |  |  | 115,217 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 281,107 |  |  | — |  |  | 1,223 |  |  | — |  |  | — |  |  | 282,330 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 286,993 |  |  | 2,472 |  |  | 5,455 |  |  | — |  |  | — |  |  | 294,920 |
Income property |  | 1,918,999 |  |  | 1,560 |  |  | 42,050 |  |  | — |  |  | — |  |  | 1,962,609 |
Owner occupied |  | 1,578,780 |  |  | 13,724 |  |  | 46,055 |  |  | — |  |  | — |  |  | 1,638,559 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 3,619 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,619 |
Residential construction |  | 203,318 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 203,318 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 163,674 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 163,674 |
Owner occupied |  | 74,148 |  |  | — |  |  | 588 |  |  | — |  |  | — |  |  | 74,736 |
Consumer |  | 307,950 |  |  | — |  |  | 4,375 |  |  | — |  |  | — |  |  | 312,325 |
Total |  | $ | 8,151,232 |  |  | $ | 76,701 |  |  | $ | 204,608 |  |  | $ | — |  |  | $ | — |  |  | 8,432,541 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
ALLL |  | 80,029 |
Loans, excluding PCI loans, net |  | $ | 8,352,512 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2018 |  | (in thousands)
Loans, excluding PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 3,160,910 |  |  | $ | 48,779 |  |  | $ | 103,007 |  |  | $ | 5 |  |  | $ | — |  |  | $ | 3,312,701 |
Unsecured |  | 112,091 |  |  | 21 |  |  | — |  |  | 5 |  |  | — |  |  | 112,117 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 234,416 |  |  | — |  |  | 1,610 |  |  | — |  |  | — |  |  | 236,026 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 276,348 |  |  | 5,082 |  |  | 4,247 |  |  | — |  |  | — |  |  | 285,677 |
Income property |  | 1,876,925 |  |  | 36,998 |  |  | 6,553 |  |  | — |  |  | — |  |  | 1,920,476 |
Owner occupied |  | 1,556,852 |  |  | 14,964 |  |  | 45,935 |  |  | — |  |  | — |  |  | 1,617,751 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 4,099 |  |  | — |  |  | 318 |  |  | — |  |  | — |  |  | 4,417 |
Residential construction |  | 212,225 |  |  | — |  |  | 171 |  |  | — |  |  | — |  |  | 212,396 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 194,912 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 194,912 |
Owner occupied |  | 87,063 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 87,063 |
Consumer |  | 313,817 |  |  | — |  |  | 4,398 |  |  | — |  |  | — |  |  | 318,215 |
Total |  | $ | 8,029,658 |  |  | $ | 105,844 |  |  | $ | 166,239 |  |  | $ | 10 |  |  | $ | — |  |  | 8,301,751 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
ALLL |  | 79,758 |
Loans, excluding PCI loans, net |  | $ | 8,221,993 |
The following is an analysis of the credit quality of our PCI loan portfolio as of March 31, 2019 and December 31, 2018:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
March 31, 2019 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 8,749 |  |  | $ | — |  |  | $ | 804 |  |  | $ | — |  |  | $ | — |  |  | $ | 9,553 |
Unsecured |  | 717 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 717 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 8,565 |  |  | — |  |  | 693 |  |  | — |  |  | — |  |  | 9,258 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 9,974 |  |  | 141 |  |  | 71 |  |  | — |  |  | — |  |  | 10,186 |
Income property |  | 19,350 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,350 |
Owner occupied |  | 28,662 |  |  | — |  |  | 6,760 |  |  | — |  |  | — |  |  | 35,422 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 146 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 147 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 491 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 491 |
Consumer |  | 8,908 |  |  | — |  |  | 386 |  |  | — |  |  | — |  |  | 9,294 |
Total |  | $ | 85,562 |  |  | $ | 141 |  |  | $ | 8,715 |  |  | $ | — |  |  | $ | — |  |  | 94,418 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 6,161 |
ALLL |  | 3,245 |
PCI loans, net |  | $ | 85,012 |
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2018 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 8,041 |  |  | $ | — |  |  | $ | 840 |  |  | $ | — |  |  | $ | — |  |  | $ | 8,881 |
Unsecured |  | 692 |  |  | — |  |  | 99 |  |  | — |  |  | — |  |  | 791 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 9,633 |  |  | — |  |  | 215 |  |  | — |  |  | — |  |  | 9,848 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 10,363 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,363 |
Income property |  | 19,680 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,680 |
Owner occupied |  | 35,944 |  |  | — |  |  | 353 |  |  | — |  |  | — |  |  | 36,297 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 151 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 153 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 507 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 507 |
Consumer |  | 9,326 |  |  | — |  |  | 439 |  |  | — |  |  | — |  |  | 9,765 |
Total |  | $ | 94,337 |  |  | $ | — |  |  | $ | 1,948 |  |  | $ | — |  |  | $ | — |  |  | 96,285 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 6,525 |
ALLL |  | 3,611 |
PCI loans, net |  | $ | 86,149 |

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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://fasb.org/us-gaap/role/ref/legacyRef -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://fasb.org/us-gaap/role/ref/legacyRef -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 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -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 + Details
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