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Allowances for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2016
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, 2016: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | 577 |  |  | $ | 577 |
Loans collectively evaluated for impairment |  |  | 123,925 |  |  |  | 32,022 |  |  |  | 155,947 |
Acquired loans with deteriorated credit quality |  |  | 11,984 |  |  |  | 13,483 |  |  |  | 25,467 |
Total |  | $ | 135,909 |  |  | $ | 46,082 |  |  | $ | 181,991 |
(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 December 31, 2016: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 29,660 |  |  | $ | 18,592 |  |  | $ | 48,252 |
Loans collectively evaluated for impairment |  |  | 35,402,029 |  |  |  | 1,900,158 |  |  |  | 37,302,187 |
Acquired loans with deteriorated credit quality |  |  | 1,614,755 |  |  |  | 89,140 |  |  |  | 1,703,895 |
Total |  | $ | 37,046,444 |  |  | $ | 2,007,890 |  |  | $ | 39,054,334 |
(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 December 31, 2016:
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 10,742 |  |  | $ | 13,133 |  |  | $ | — |  |  | $ | 11,431 |  |  | $ | 627 |
Commercial real estate |  |  | 9,117 |  |  |  | 14,868 |  |  |  | — |  |  |  | 10,461 |  |  |  | 143 |
One-to-four family |  |  | 3,601 |  |  |  | 4,267 |  |  |  | — |  |  |  | 3,079 |  |  |  | 124 |
Acquisition, development, and construction |  |  | 6,200 |  |  |  | 15,500 |  |  |  | — |  |  |  | 1,550 |  |  |  | 414 |
Other |  |  | 6,739 |  |  |  | 7,955 |  |  |  | — |  |  |  | 8,261 |  |  |  | 92 |
Total impaired loans with no related allowance |  | $ | 36,399 |  |  | $ | 55,723 |  |  | $ | — |  |  | $ | 34,782 |  |  | $ | 1,400 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 11,853 |  |  |  | 13,529 |  |  |  | 577 |  |  |  | 4,574 |  |  |  | 213 |
Total impaired loans with an allowance recorded |  | $ | 11,853 |  |  | $ | 13,529 |  |  | $ | 577 |  |  | $ | 4,574 |  |  | $ | 213 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 10,742 |  |  | $ | 13,133 |  |  | $ | — |  |  | $ | 11,431 |  |  | $ | 627 |
Commercial real estate |  |  | 9,117 |  |  |  | 14,868 |  |  |  | — |  |  |  | 10,461 |  |  |  | 143 |
One-to-four family |  |  | 3,601 |  |  |  | 4,267 |  |  |  | — |  |  |  | 3,079 |  |  |  | 124 |
Acquisition, development, and construction |  |  | 6,200 |  |  |  | 15,500 |  |  |  | — |  |  |  | 1,550 |  |  |  | 414 |
Other |  |  | 18,592 |  |  |  | 21,484 |  |  |  | 577 |  |  |  | 12,835 |  |  |  | 305 |
Total impaired loans |  | $ | 48,252 |  |  | $ | 69,252 |  |  | $ | 577 |  |  | $ | 39,356 |  |  | $ | 1,613 |
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 twelve months ended December 31, 2016 and 2015:
|  | December 31, |
|  | 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 | ) |  |  | (3,413 | ) |  |  | (3,583 | ) |  |  | (1,315 | ) |  |  | (1,273 | ) |  |  | (2,588 | )
Recoveries |  |  | 1,272 |  |  |  | 1,603 |  |  |  | 2,875 |  |  |  | 5,765 |  |  |  | 5,008 |  |  |  | 10,773 |
Transfer from the allowance for losses on covered loans (1) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,250 |  |  |  | 166 |  |  |  | 2,416 |
(Recovery of) provision for non-covered loan losses |  |  | (164 | ) |  |  | 12,038 |  |  |  | 11,874 |  |  |  | (4,838 | ) |  |  | 1,504 |  |  |  | (3,334 | )
Balance, end of period |  | $ | 125,416 |  |  | $ | 32,874 |  |  | $ | 158,290 |  |  | $ | 124,478 |  |  | $ | 22,646 |  |  | $ | 147,124 |
(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, 2016, 2015, and 2014:
|  | December 31, |
(in thousands) |  | 2016 |  |  | 2015 |  |  | 2014 |
Balance, beginning of period |  | $ | 31,395 |  |  | $ | 45,481 |  |  | $ | 64,069 |
Recovery of losses on covered loans |  |  | (7,694 | ) |  |  | (11,670 | ) |  |  | (18,588 | )
Transfer to the allowance for losses on covered loans(1) |  |  | — |  |  |  | (2,416 | ) |  |  | — |
Balance, end of period |  | $ | 23,701 |  |  | $ | 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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