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Allowances for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2016
Activity in Allowance for Loan Losses | The following tables provide additional information regarding the Company’s allowances for losses on non-covered and covered loans, based upon the method of evaluating loan impairment:
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Allowances for Loan Losses at September 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | 143 |  |  | $ | 143 |
Loans collectively evaluated for impairment |  |  | 124,724 |  |  |  | 28,090 |  |  |  | 152,814 |
Acquired loans with deteriorated credit quality |  |  | 11,113 |  |  |  | 15,995 |  |  |  | 27,108 |
Total |  | $ | 135,837 |  |  | $ | 44,228 |  |  | $ | 180,065 |
(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 |
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 September 30, 2016: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 24,162 |  |  | $ | 13,050 |  |  | $ | 37,212 |
Loans collectively evaluated for impairment |  |  | 35,510,354 |  |  |  | 1,782,036 |  |  |  | 37,292,390 |
Acquired loans with deteriorated credit quality |  |  | 1,693,416 |  |  |  | 101,687 |  |  |  | 1,795,103 |
Total |  | $ | 37,227,932 |  |  | $ | 1,896,773 |  |  | $ | 39,124,705 |
(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 |
Additional Information Regarding Impaired Non-Covered Loans | The following table presents additional information about the Company’s impaired non-covered loans at September 30, 2016:
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 10,874 |  |  | $ | 13,153 |  |  | $ | — |  |  | $ | 15,611 |  |  | $ | 474 |
Commercial real estate |  |  | 10,381 |  |  |  | 16,114 |  |  |  | — |  |  |  | 11,681 |  |  |  | 162 |
One-to-four family |  |  | 2,908 |  |  |  | 3,574 |  |  |  | — |  |  |  | 3,025 |  |  |  | 76 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 659 |  |  |  | — |
Other |  |  | 6,607 |  |  |  | 6,895 |  |  |  | — |  |  |  | 7,695 |  |  |  | 90 |
Total impaired loans with no related allowance |  | $ | 30,770 |  |  | $ | 39,736 |  |  | $ | — |  |  | $ | 38,671 |  |  | $ | 802 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 6,442 |  |  |  | 6,772 |  |  |  | 143 |  |  |  | 1,610 |  |  |  | 100 |
Total impaired loans with an allowance recorded |  | $ | 6,442 |  |  | $ | 6,772 |  |  | $ | 143 |  |  | $ | 1,610 |  |  | $ | 100 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 10,874 |  |  | $ | 13,153 |  |  | $ | — |  |  | $ | 15,611 |  |  | $ | 474 |
Commercial real estate |  |  | 10,381 |  |  |  | 16,114 |  |  |  | — |  |  |  | 11,681 |  |  |  | 162 |
One-to-four family |  |  | 2,908 |  |  |  | 3,574 |  |  |  | — |  |  |  | 3,025 |  |  |  | 76 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 659 |  |  |  | — |
Other |  |  | 13,049 |  |  |  | 13,667 |  |  |  | 143 |  |  |  | 9,305 |  |  |  | 190 |
Total impaired loans |  | $ | 37,212 |  |  | $ | 46,508 |  |  | $ | 143 |  |  | $ | 40,281 |  |  | $ | 902 |
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 |  | $ | 51,954 |  |  | $ | 61,617 |  |  | $ | — |  |  | $ | 67,805 |  |  | $ | 2,044 |
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 nine months ended September 30, 2016 and 2015:
|  | September 30, |
|  | 2016 |  |  | 2015 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |  |  | Mortgage |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 124,478 |  |  | $ | 22,646 |  |  | $ | 147,124 |  |  | $ | 122,616 |  |  | $ | 17,241 |  |  | $ | 139,857 |
Charge-offs |  |  | (170 | ) |  |  | (1,155 | ) |  |  | (1,325 | ) |  |  | (935 | ) |  |  | (388 | ) |  |  | (1,323 | )
Recoveries |  |  | 1,251 |  |  |  | 956 |  |  |  | 2,207 |  |  |  | 4,197 |  |  |  | 4,152 |  |  |  | 8,349 |
Transfer from the allowance for losses on covered loans (1) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,250 |  |  |  | 166 |  |  |  | 2,416 |
Provision for (recovery of) non-covered loan losses |  |  | 675 |  |  |  | 6,024 |  |  |  | 6,699 |  |  |  | (6,560 | ) |  |  | 3,306 |  |  |  | (3,254 | )
Balance, end of period |  | $ | 126,234 |  |  | $ | 28,471 |  |  | $ | 154,705 |  |  | $ | 121,568 |  |  | $ | 24,477 |  |  | $ | 146,045 |
(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.
Covered Loans |
Activity in Allowance for Loan Losses | The following table summarizes activity in the allowance for losses on covered loans for the nine months ended September 30, 2016 and 2015:
|  | September 30, |
(in thousands) |  | 2016 |  |  | 2015 |
Balance, beginning of period |  | $ | 31,395 |  |  | $ | 45,481 |
Recovery of losses on covered loans |  |  | (6,035 | ) |  |  | (5,433 | )
Transfer to the allowance for losses on non-covered loans (1) |  |  | — |  |  |  | (2,416 | )
Balance, end of period |  | $ | 25,360 |  |  | $ | 37,632 |
(1) | Represents the allowance associated with $14.2 million of loans acquired in the Desert Hills Bank transaction that were transferred from covered loans to non-covered loans upon expiration of the related FDIC loss sharing agreement.

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