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Loans (Tables)

12 Months Ended

Dec. 31, 2019

Financing Receivable, Credit Quality Indicator [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):

		December 31,
		2019												2018
		Loans, excluding PCI loans				PCI Loans				Total				Loans, excluding PCI loans				PCI Loans				Total
		(in thousands)
Commercial business		$	3,602,597			$	7,863			$	3,610,460			$	3,438,422			$	9,240			$	3,447,662
Real estate:
One-to-four family residential		265,144				7,203				272,347				238,367				8,017				246,384
Commercial and multifamily residential		4,183,961				54,212				4,238,173				3,846,027				62,910				3,908,937
Total real estate		4,449,105				61,415				4,510,520				4,084,394				70,927				4,155,321
Real estate construction:
One-to-four family residential		192,762				—				192,762				217,790				153				217,943
Commercial and multifamily residential		163,103				—				163,103				284,394				534				284,928
Total real estate construction		355,865				—				355,865				502,184				687				502,871
Consumer		292,697				8,238				300,935				318,945				8,906				327,851
Less: Net unearned income		(34,315		)		—				(34,315		)		(42,194		)		—				(42,194		)
Total loans, net of unearned income		8,665,949				77,516				8,743,465				8,301,751				89,760				8,391,511
Less: ALLL		(81,124		)		(2,844		)		(83,968		)		(79,758		)		(3,611		)		(83,369		)
Total loans, net		$	8,584,825			$	74,672			$	8,659,497			$	8,221,993			$	86,149			$	8,308,142
Loans held for sale		$	17,718			$	—			$	17,718			$	3,849			$	—			$	3,849

Analysis of Nonaccrual Loans

The following is an analysis of nonaccrual loans as of December 31, 2019 and 2018:

		December 31,
		2019								2018
		Recorded Investment Nonaccrual Loans				Unpaid Principal Balance Nonaccrual Loans				Recorded Investment Nonaccrual Loans				Unpaid Principal Balance Nonaccrual Loans
		(in thousands)
Commercial business:
Secured		$	26,615			$	38,278			$	35,504			$	45,072
Unsecured		359				360				9				9
Real estate:
One-to-four family residential		591				632				1,158				1,178
Commercial and multifamily residential:
Commercial land		1,985				1,994				2,261				2,270
Income property		205				206				2,721				3,062
Owner occupied		1,287				1,325				9,922				10,300
Real estate construction:
One-to-four family residential:
Land and acquisition		—				—				318				318
Residential construction		—				59				—				—
Consumer		2,018				2,355				2,949				3,149
Total		$	33,060			$	45,209			$	54,842			$	65,358

Loans, Excluding Purchased Credit Impaired Loans [Member]

Financing Receivable, Credit Quality Indicator [Line Items]

Analysis of the Aged Loan Portfolio

The following is an aging of the recorded investment of the loan portfolio as of December 31, 2019 and 2018:

		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, 2019		(in thousands)
Commercial business:
Secured		$	3,422,313			$	7,684			$	5,035			$	—			$	12,719			$	26,615			$	3,461,647
Unsecured		128,852				392				80				—				472				359				129,683
Real estate:
One-to-four family residential		261,886				2,162				256				—				2,418				591				264,895
Commercial and multifamily residential:
Commercial land		300,580				625				—				—				625				1,985				303,190
Income property		2,057,359				1,797				—				—				1,797				205				2,059,361
Owner occupied		1,795,771				4,287				—				—				4,287				1,287				1,801,345
Real estate construction:
One-to-four family residential:
Land and acquisition		1,364				—				—				—				—				—				1,364
Residential construction		189,350				951				—				—				951				—				190,301
Commercial and multifamily residential:
Income property		88,389				—				—				—				—				—				88,389
Owner occupied		73,203				—				—				—				—				—				73,203
Consumer		290,174				284				95				—				379				2,018				292,571
Total		$	8,609,241			$	18,182			$	5,466			$	—			$	23,648			$	33,060			$	8,665,949
		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, 2018		(in thousands)
Commercial business:
Secured		$	3,267,709			$	5,864			$	3,624			$	—			$	9,488			$	35,504			$	3,312,701
Unsecured		111,868				240				—				—				240				9				112,117
Real estate:
One-to-four family residential		233,941				694				233				—				927				1,158				236,026
Commercial and multifamily residential:
Commercial land		283,416				—				—				—				—				2,261				285,677
Income property		1,910,505				5,009				2,241				—				7,250				2,721				1,920,476
Owner occupied		1,606,085				1,744				—				—				1,744				9,922				1,617,751
Real estate construction:
One-to-four family residential:
Land and acquisition		4,099				—				—				—				—				318				4,417
Residential construction		212,303				93				—				—				93				—				212,396
Commercial and multifamily residential:
Income property		194,912				—				—				—				—				—				194,912
Owner occupied		79,805				7,258				—				—				7,258				—				87,063
Consumer		314,008				1,057				201				—				1,258				2,949				318,215
Total		$	8,218,651			$	21,959			$	6,299			$	—			$	28,258			$	54,842			$	8,301,751

Impaired Financing Receivables

The following is an analysis of the impaired loans (see Note 1, “Summary of Significant Accounting Policies,”) as of December 31, 2019 and 2018:

		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, 2019		(in thousands)
Commercial business:
Secured		$	3,437,564			$	24,083			$	3,286			$	3,851			$	93			$	20,797			$	28,658
Unsecured		129,671				12				12				12				—				—				—
Real estate:
One-to-four family residential		264,513				382				299				588				5				83				182
Commercial and multifamily residential:
Commercial land		300,973				2,217				1,592				1,601				312				625				663
Income property		2,059,361				—				—				—				—				—				—
Owner occupied		1,797,682				3,663				3,663				5,233				29				—				—
Real estate construction:
One-to-four family residential:
Land and acquisition		1,364				—				—				—				—				—				—
Residential construction		190,301				—				—				—				—				—				—
Commercial and multifamily residential:
Income property		88,389				—				—				—				—				—				—
Owner occupied		73,203				—				—				—				—				—				—
Consumer		290,934				1,637				483				637				22				1,154				1,310
Total		$	8,633,955			$	31,994			$	9,335			$	11,922			$	461			$	22,659			$	30,813

		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, 2018		(in thousands)
Commercial business:
Secured		$	3,286,416			$	26,285			$	6,350			$	8,460			$	2,023			$	19,935			$	24,404
Unsecured		112,097				20				20				20				—				—				—
Real estate:
One-to-four family residential		235,138				888				325				798				8				563				575
Commercial and multifamily residential:
Commercial land		283,451				2,226				—				—				—				2,226				2,272
Income property		1,917,522				2,954				99				165				1				2,855				3,011
Owner occupied		1,605,042				12,709				3,231				4,666				69				9,478				9,750
Real estate construction:
One-to-four family residential
Land and acquisition		4,417				—				—				—				—				—				—
Residential construction		212,396				—				—				—				—				—				—
Commercial and multifamily residential:
Income property		194,912				—				—				—				—				—				—
Owner occupied		87,063				—				—				—				—				—				—
Consumer		314,193				4,022				3,326				3,584				31				696				704
Total		$	8,252,647			$	49,104			$	13,351			$	17,693			$	2,132			$	35,753			$	40,716

The following table provides additional information on impaired loans for the years ended December 31, 2019, 2018 and 2017:

		Years Ended December 31,
		2019								2018								2017
		Average Recorded Investment Impaired Loans				Interest Recognized on Impaired Loans				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		$	24,682			$	202			$	39,701			$	81			$	20,282			$	60
Unsecured		16				1				191				2				5				—
Real estate:
One-to-four family residential		665				42				748				42				730				49
Commercial and multifamily residential
Commercial land		2,606				31				2,371				34				2,079				—
Income property		1,121				—				3,284				130				4,314				51
Owner occupied		10,681				168				9,730				720				5,335				445
Real estate construction:
One-to-four family residential
Land and acquisition		—				—				—				—				3				—
Residential construction		—				—				484				—				309				—
Owner occupied		—				—				3,240				—				1,620				203
Consumer		2,960				8				5,712				129				5,973				163
Total		$	42,731			$	452			$	65,461			$	1,138			$	40,650			$	971

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

The following is an analysis of loans classified as TDR for the years ended December 31, 2019, 2018 and 2017:

		Years Ended December 31,
		2019											2018											2017
		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				Number of TDR Modifications			Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
		(dollars in thousands)
Commercial business:
Secured		11			$	6,642			$	6,642			12			$	18,379			$	18,379			10			$	5,655			$	5,655
Unsecured		—			—				—				—			—				—				1			26				26
Real estate:
One-to-four family residential		1			45				45				—			—				—				3			583				583
Commercial and multifamily residential:
Commercial land		—			—				—				—			—				—				1			687				687
Income property		1			217				217				1			891				891				1			1,152				1,152
Owner occupied		—			—				—				—			—				—				1			78				78
Real estate construction:
Commercial and multifamily residential:
Owner occupied		—			—				—				—			—				—				1			4,050				4,050
Consumer		11			444				444				21			2,777				2,777				42			5,891				5,891
Total		24			$	7,348			$	7,348			34			$	22,047			$	22,047			60			$	18,122			$	18,122

Purchased Credit Impaired Loans [Member]

Financing Receivable, Credit Quality Indicator [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 December 31, 2019 and 2018:

		December 31,
		2019				2018
		(in thousands)
Commercial business		$	8,083			$	9,672
Real estate:
One-to-four family residential		8,453				9,848
Commercial and multifamily residential		56,752				66,340
Total real estate		65,205				76,188
Real estate construction:
One-to-four family residential		—				153
Commercial and multifamily residential		—				507
Total real estate construction		—				660
Consumer		8,984				9,765
Subtotal of PCI loans		82,272				96,285
Less:
Valuation discount resulting from acquisition accounting		4,756				6,525
ALLL		2,844				3,611
PCI loans, net of valuation discounts and allowance for loan losses		$	74,672			$	86,149

Changes in Accretable Yield for Acquired Loans [Table Text Block]

The following table shows the changes in accretable yield for acquired loans for the years ended December 31, 2019, 2018, and 2017:

		Years Ended December 31,
		2019				2018				2017
		(in thousands)
Balance at beginning of period		$	21,949			$	31,176			$	45,191
Accretion		(6,053		)		(8,194		)		(12,357		)
Disposals		46				(387		)		(158		)
Reclassifications from (to) nonaccretable difference		3,719				(646		)		(1,500		)
Balance at end of period		$	19,661			$	21,949			$	31,176

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