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Allowances for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2015
Activity in Allowance for Loan Losses | The following tables provide additional information regarding the Company’s allowances for losses on non-covered loans and covered loans, based upon the method of evaluating loan impairment:
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Allowances for Loan Losses at December 31, 2015: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |
Loans collectively evaluated for impairment |  |  | 122,712 |  |  |  | 22,484 |  |  |  | 145,196 |
Acquired loans with deteriorated credit quality |  |  | 14,583 |  |  |  | 18,740 |  |  |  | 33,323 |
Total |  | $ | 137,295 |  |  | $ | 41,224 |  |  | $ | 178,519 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Allowances for Loan Losses at December 31, 2014: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 26 |  |  | $ | — |  |  | $ | 26 |
Loans collectively evaluated for impairment |  |  | 122,590 |  |  |  | 17,241 |  |  |  | 139,831 |
Acquired loans with deteriorated credit quality |  |  | 23,538 |  |  |  | 21,943 |  |  |  | 45,481 |
Total |  | $ | 146,154 |  |  | $ | 39,184 |  |  | $ | 185,338 |
Additional Information Regarding Methods Used to Evaluate Loan Portfolio for Impairment | The following tables provide additional information regarding the methods used to evaluate the Company’s loan portfolio for impairment:
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Loans Receivable at December 31, 2015: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 47,480 |  |  | $ | 4,474 |  |  | $ | 51,954 |
Loans collectively evaluated for impairment |  |  | 34,209,870 |  |  |  | 1,470,321 |  |  |  | 35,680,191 |
Acquired loans with deteriorated credit quality |  |  | 1,924,255 |  |  |  | 144,178 |  |  |  | 2,068,433 |
Total |  | $ | 36,181,605 |  |  | $ | 1,618,973 |  |  | $ | 37,800,578 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Loans Receivable at December 31, 2014: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 81,574 |  |  | $ | 6,806 |  |  | $ | 88,380 |
Loans collectively evaluated for impairment |  |  | 31,781,623 |  |  |  | 1,134,358 |  |  |  | 32,915,981 |
Acquired loans with deteriorated credit quality |  |  | 2,227,572 |  |  |  | 201,050 |  |  |  | 2,428,622 |
Total |  | $ | 34,090,769 |  |  | $ | 1,342,214 |  |  | $ | 35,432,983 |
Additional Information Regarding Impaired Non-Covered Loans | The following table presents additional information about the Company’s impaired non-covered loans at December 31, 2015:
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 27,464 |  |  | $ | 29,379 |  |  | $ | — |  |  | $ | 30,965 |  |  | $ | 1,320 |
Commercial real estate |  |  | 13,995 |  |  |  | 15,480 |  |  |  | — |  |  |  | 25,066 |  |  |  | 383 |
One-to-four family |  |  | 3,384 |  |  |  | 8,929 |  |  |  | — |  |  |  | 2,302 |  |  |  | 75 |
Acquisition, development, and construction |  |  | 2,637 |  |  |  | 3,035 |  |  |  | — |  |  |  | 1,086 |  |  |  | 148 |
Other |  |  | 4,474 |  |  |  | 4,794 |  |  |  | — |  |  |  | 8,386 |  |  |  | 118 |
Total impaired loans with no related allowance |  | $ | 51,954 |  |  | $ | 61,617 |  |  | $ | — |  |  | $ | 67,805 |  |  | $ | 2,044 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance recorded |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 27,464 |  |  | $ | 29,379 |  |  | $ | — |  |  | $ | 30,965 |  |  | $ | 1,320 |
Commercial real estate |  |  | 13,995 |  |  |  | 15,480 |  |  |  | — |  |  |  | 25,066 |  |  |  | 383 |
One-to-four family |  |  | 3,384 |  |  |  | 8,929 |  |  |  | — |  |  |  | 2,302 |  |  |  | 75 |
Acquisition, development, and construction |  |  | 2,637 |  |  |  | 3,035 |  |  |  | — |  |  |  | 1,086 |  |  |  | 148 |
Other |  |  | 4,474 |  |  |  | 4,794 |  |  |  | — |  |  |  | 8,386 |  |  |  | 118 |
Total impaired loans |  | $ | 51,954 |  |  | $ | 61,617 |  |  | $ | — |  |  | $ | 67,805 |  |  | $ | 2,044 |
The following table presents additional information about the Company’s impaired non-covered loans at December 31, 2014:
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 45,383 |  |  | $ | 52,593 |  |  | $ | — |  |  | $ | 54,051 |  |  | $ | 1,636 |
Commercial real estate |  |  | 30,370 |  |  |  | 32,460 |  |  |  | — |  |  |  | 29,935 |  |  |  | 1,629 |
One-to-four family |  |  | 2,028 |  |  |  | 2,069 |  |  |  | — |  |  |  | 1,254 |  |  |  | — |
Acquisition, development, and construction |  |  | 654 |  |  |  | 1,024 |  |  |  | — |  |  |  | 505 |  |  |  | 218 |
Commercial and industrial |  |  | 6,806 |  |  |  | 12,155 |  |  |  | — |  |  |  | 7,749 |  |  |  | 307 |
Total impaired loans with no related allowance |  | $ | 85,241 |  |  | $ | 100,301 |  |  | $ | — |  |  | $ | 93,494 |  |  | $ | 3,790 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 3,139 |  |  | $ | 3,139 |  |  | $ | 26 |  |  | $ | 628 |  |  | $ | 72 |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 490 |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 61 |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with an allowance recorded |  | $ | 3,139 |  |  | $ | 3,139 |  |  | $ | 26 |  |  | $ | 1,179 |  |  | $ | 72 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 48,522 |  |  | $ | 55,732 |  |  | $ | 26 |  |  | $ | 54,679 |  |  | $ | 1,708 |
Commercial real estate |  |  | 30,370 |  |  |  | 32,460 |  |  |  | — |  |  |  | 30,425 |  |  |  | 1,629 |
One-to-four family |  |  | 2,028 |  |  |  | 2,069 |  |  |  | — |  |  |  | 1,315 |  |  |  | — |
Acquisition, development, and construction |  |  | 654 |  |  |  | 1,024 |  |  |  | — |  |  |  | 505 |  |  |  | 218 |
Commercial and industrial |  |  | 6,806 |  |  |  | 12,155 |  |  |  | — |  |  |  | 7,749 |  |  |  | 307 |
Total impaired loans |  | $ | 88,380 |  |  | $ | 103,440 |  |  | $ | 26 |  |  | $ | 94,673 |  |  | $ | 3,862 |
Non-Covered Loans |
Activity in Allowance for Loan Losses | The following table summarizes activity in the allowance for losses on non-covered loans for the twelve months ended December 31, 2015 and 2014:
|  | December 31, |
|  | 2015 |  |  | 2014 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |  |  | Mortgage |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 122,616 |  |  | $ | 17,241 |  |  | $ | 139,857 |  |  | $ | 123,991 |  |  | $ | 17,955 |  |  | $ | 141,946 |
Charge-offs |  |  | (1,315 | ) |  |  | (1,273 | ) |  |  | (2,588 | ) |  |  | (2,780 | ) |  |  | (5,296 | ) |  |  | (8,076 | )
Recoveries |  |  | 5,765 |  |  |  | 5,008 |  |  |  | 10,773 |  |  |  | 1,405 |  |  |  | 4,582 |  |  |  | 5,987 |
Transfer from the allowance for losses on covered loans (1) |  |  | 2,250 |  |  |  | 166 |  |  |  | 2,416 |  |  |  | — |  |  |  | — |  |  |  | — |
(Recovery of) provision for non-covered loan losses |  |  | (4,838 | ) |  |  | 1,504 |  |  |  | (3,334 | ) |  |  | — |  |  |  | — |  |  |  | — |
Balance, end of period |  | $ | 124,478 |  |  | $ | 22,646 |  |  | $ | 147,124 |  |  | $ | 122,616 |  |  | $ | 17,241 |  |  | $ | 139,857 |
(1) | Represents the allowance associated with $14.2 million of loans acquired in the Desert Hills transaction that were transferred from covered loans to non-covered loans upon expiration of the related FDIC loss sharing agreement in March 2015.
Covered Loans |
Activity in Allowance for Loan Losses | The following table summarizes activity in the allowance for losses on covered loans for the years ended December 31, 2015 and 2014:
|  | December 31, |
(in thousands) |  | 2015 |  |  | 2014 |
Balance, beginning of period |  | $ | 45,481 |  |  | $ | 64,069 |
Recovery of losses on covered loans |  |  | (11,670 | ) |  |  | (18,588 | )
Transfer to the allowance for losses on covered loans(1) |  |  | (2,416 | ) |  |  | — |
Balance, end of period |  | $ | 31,395 |  |  | $ | 45,481 |
(1) | Represents the allowance associated with $14.2 million of loans acquired in the Desert Hills transaction that were transferred from covered loans to non-covered loans upon expiration of the related FDIC loss sharing agreement in March 2015.

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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=49124121&loc=SL6953423-111524 + Details
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