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v3.19.3.a.u2

Allowance for Loan and Lease Losses and Unfunded Commitments and Letters of Credit (Tables) | 12 Months Ended
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Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items] |
Changes in the Allowance for Loan and Lease Losses | The following tables show a detailed analysis of the ALLL for the years ended December 31, 2019, 2018 and 2017:
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Year Ended December 31, 2019 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 43,188 |  |  | $ | (10,249 | ) |  | $ | 2,755 |  |  | $ | 7,381 |  |  | $ | 43,075 |  |  | $ | 93 |  |  | $ | 42,982 |
Unsecured |  | 2,626 |  |  | (75 | ) |  | 350 |  |  | 184 |  |  | 3,085 |  |  | — |  |  | 3,085 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 593 |  |  | (2 | ) |  | 242 |  |  | (226 | ) |  | 607 |  |  | 5 |  |  | 602 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 3,947 |  |  | — |  |  | 286 |  |  | 2,146 |  |  | 6,379 |  |  | 312 |  |  | 6,067 |
Income property |  | 4,044 |  |  | — |  |  | 320 |  |  | 2,062 |  |  | 6,426 |  |  | — |  |  | 6,426 |
Owner occupied |  | 4,533 |  |  | — |  |  | 4 |  |  | 1,567 |  |  | 6,104 |  |  | 29 |  |  | 6,075 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 549 |  |  | — |  |  | 362 |  |  | (799 | ) |  | 112 |  |  | — |  |  | 112 |
Residential construction |  | 5,536 |  |  | (170 | ) |  | 3,092 |  |  | (3,982 | ) |  | 4,476 |  |  | — |  |  | 4,476 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 5,784 |  |  | — |  |  | 1 |  |  | (3,286 | ) |  | 2,499 |  |  | — |  |  | 2,499 |
Owner occupied |  | 2,604 |  |  | — |  |  | — |  |  | 702 |  |  | 3,306 |  |  | — |  |  | 3,306 |
Consumer |  | 5,301 |  |  | (1,400 | ) |  | 930 |  |  | (376 | ) |  | 4,455 |  |  | 22 |  |  | 4,433 |
PCI |  | 3,611 |  |  | (3,319 | ) |  | 3,979 |  |  | (1,427 | ) |  | 2,844 |  |  | — |  |  | 2,844 |
Unallocated |  | 1,053 |  |  | — |  |  | — |  |  | (453 | ) |  | 600 |  |  | — |  |  | 600 |
Total |  | $ | 83,369 |  |  | $ | (15,215 | ) |  | $ | 12,321 |  |  | $ | 3,493 |  |  | $ | 83,968 |  |  | $ | 461 |  |  | $ | 83,507 |
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Year Ended December 31, 2018 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 29,341 |  |  | $ | (11,560 | ) |  | $ | 3,024 |  |  | $ | 22,383 |  |  | $ | 43,188 |  |  | $ | 2,023 |  |  | $ | 41,165 |
Unsecured |  | 2,000 |  |  | (159 | ) |  | 403 |  |  | 382 |  |  | 2,626 |  |  | — |  |  | 2,626 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 701 |  |  | — |  |  | 408 |  |  | (516 | ) |  | 593 |  |  | 8 |  |  | 585 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 4,265 |  |  | — |  |  | 99 |  |  | (417 | ) |  | 3,947 |  |  | — |  |  | 3,947 |
Income property |  | 5,672 |  |  | (780 | ) |  | 912 |  |  | (1,760 | ) |  | 4,044 |  |  | 1 |  |  | 4,043 |
Owner occupied |  | 5,459 |  |  | — |  |  | 20 |  |  | (946 | ) |  | 4,533 |  |  | 69 |  |  | 4,464 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 963 |  |  | — |  |  | 726 |  |  | (1,140 | ) |  | 549 |  |  | — |  |  | 549 |
Residential construction |  | 3,709 |  |  | — |  |  | 890 |  |  | 937 |  |  | 5,536 |  |  | — |  |  | 5,536 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 7,053 |  |  | — |  |  | — |  |  | (1,269 | ) |  | 5,784 |  |  | — |  |  | 5,784 |
Owner occupied |  | 4,413 |  |  | — |  |  | — |  |  | (1,809 | ) |  | 2,604 |  |  | — |  |  | 2,604 |
Consumer |  | 5,163 |  |  | (1,194 | ) |  | 1,180 |  |  | 152 |  |  | 5,301 |  |  | 31 |  |  | 5,270 |
PCI |  | 6,907 |  |  | (4,862 | ) |  | 3,847 |  |  | (2,281 | ) |  | 3,611 |  |  | — |  |  | 3,611 |
Unallocated |  | — |  |  | — |  |  | — |  |  | 1,053 |  |  | 1,053 |  |  | — |  |  | 1,053 |
Total |  | $ | 75,646 |  |  | $ | (18,555 | ) |  | $ | 11,509 |  |  | $ | 14,769 |  |  | $ | 83,369 |  |  | $ | 2,132 |  |  | $ | 81,237 |
|  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance |  | Specific Reserve |  | General Allocation
Year Ended December 31, 2017 |  | (in thousands)
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 36,050 |  |  | $ | (7,524 | ) |  | $ | 4,283 |  |  | $ | (3,468 | ) |  | $ | 29,341 |  |  | $ | 1,867 |  |  | $ | 27,474 |
Unsecured |  | 960 |  |  | (89 | ) |  | 553 |  |  | 576 |  |  | 2,000 |  |  | 3 |  |  | 1,997 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 599 |  |  | (460 | ) |  | 568 |  |  | (6 | ) |  | 701 |  |  | 103 |  |  | 598 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 1,797 |  |  | — |  |  | 53 |  |  | 2,415 |  |  | 4,265 |  |  | — |  |  | 4,265 |
Income property |  | 7,342 |  |  | (287 | ) |  | 498 |  |  | (1,881 | ) |  | 5,672 |  |  | 185 |  |  | 5,487 |
Owner occupied |  | 6,439 |  |  | — |  |  | 124 |  |  | (1,104 | ) |  | 5,459 |  |  | 3 |  |  | 5,456 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 316 |  |  | (14 | ) |  | 72 |  |  | 589 |  |  | 963 |  |  | — |  |  | 963 |
Residential construction |  | 669 |  |  | — |  |  | 106 |  |  | 2,934 |  |  | 3,709 |  |  | — |  |  | 3,709 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 404 |  |  | — |  |  | 1 |  |  | 6,648 |  |  | 7,053 |  |  | — |  |  | 7,053 |
Owner occupied |  | 1,192 |  |  | — |  |  | — |  |  | 3,221 |  |  | 4,413 |  |  | — |  |  | 4,413 |
Consumer |  | 3,534 |  |  | (1,474 | ) |  | 1,187 |  |  | 1,916 |  |  | 5,163 |  |  | 199 |  |  | 4,964 |
PCI |  | 10,515 |  |  | (6,812 | ) |  | 6,187 |  |  | (2,983 | ) |  | 6,907 |  |  | — |  |  | 6,907 |
Unallocated |  | 226 |  |  | — |  |  | — |  |  | (226 | ) |  | — |  |  | — |  |  | — |
Total |  | $ | 70,043 |  |  | $ | (16,660 | ) |  | $ | 13,632 |  |  | $ | 8,631 |  |  | $ | 75,646 |  |  | $ | 2,360 |  |  | $ | 73,286 |
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:
|  | Years Ended December 31,
|  | 2019 |  | 2018 |  | 2017
|  | (in thousands)
Beginning balance |  | $ | 4,330 |  |  | $ | 3,130 |  |  | $ | 2,705 |
Net changes in the allowance for unfunded commitments and letters of credit |  | (900 | ) |  | 1,200 |  |  | 425 |
Ending balance |  | $ | 3,430 |  |  | $ | 4,330 |  |  | $ | 3,130 |
Financing Receivable Credit Quality Indicators [Table Text Block] | The following is an analysis of the credit quality of our loan portfolio, excluding PCI loans as of December 31, 2019 and 2018:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2019 |  | (in thousands)
Loans, excluding PCI loans |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 3,296,776 |  |  | $ | 37,394 |  |  | $ | 127,477 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,461,647 |
Unsecured |  | 129,518 |  |  | — |  |  | 165 |  |  | — |  |  | — |  |  | 129,683 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 264,051 |  |  | — |  |  | 844 |  |  | — |  |  | — |  |  | 264,895 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 283,254 |  |  | 1,344 |  |  | 18,592 |  |  | — |  |  | — |  |  | 303,190 |
Income property |  | 2,014,233 |  |  | 5,658 |  |  | 39,470 |  |  | — |  |  | — |  |  | 2,059,361 |
Owner occupied |  | 1,757,757 |  |  | 6,158 |  |  | 37,430 |  |  | — |  |  | — |  |  | 1,801,345 |
Real estate construction: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential: |  |  |  |  |  |  |  |  |  |  |  |
Land and acquisition |  | 1,364 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,364 |
Residential construction |  | 190,301 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 190,301 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Income property |  | 88,389 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 88,389 |
Owner occupied |  | 73,203 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 73,203 |
Consumer |  | 289,588 |  |  | — |  |  | 2,983 |  |  | — |  |  | — |  |  | 292,571 |
Total |  | $ | 8,388,434 |  |  | $ | 50,554 |  |  | $ | 226,961 |  |  | $ | — |  |  | $ | — |  |  | 8,665,949 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
ALLL |  | 81,124 |
Loans, excluding PCI loans, net |  | $ | 8,584,825 |
|  | 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 December 31, 2019 and 2018:
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Loss |  | Total
December 31, 2019 |  | (in thousands)
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial business: |  |  |  |  |  |  |  |  |  |  |  |
Secured |  | $ | 6,109 |  |  | $ | 962 |  |  | $ | 606 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,677 |
Unsecured |  | 406 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 406 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential |  | 8,351 |  |  | — |  |  | 102 |  |  | — |  |  | — |  |  | 8,453 |
Commercial and multifamily residential: |  |  |  |  |  |  |  |  |  |  |  |
Commercial land |  | 8,720 |  |  | 497 |  |  | 212 |  |  | — |  |  | — |  |  | 9,429 |
Income property |  | 18,386 |  |  | — |  |  | 297 |  |  | — |  |  | — |  |  | 18,683 |
Owner occupied |  | 21,077 |  |  | — |  |  | 7,563 |  |  | — |  |  | — |  |  | 28,640 |
Consumer |  | 8,758 |  |  | — |  |  | 226 |  |  | — |  |  | — |  |  | 8,984 |
Total |  | $ | 71,807 |  |  | $ | 1,459 |  |  | $ | 9,006 |  |  | $ | — |  |  | $ | — |  |  | 82,272 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Valuation discount resulting from acquisition accounting |  | 4,756 |
ALLL |  | 2,844 |
PCI loans, net |  | $ | 74,672 |
|  | 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 allowance for credit loss on financing receivable. + 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=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + 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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: 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=118936363&loc=SL6953659-111524 + Details
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