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Loans (Tables)

12 Months Ended

Dec. 31, 2016

Composition of Loan Portfolio

The following table sets forth the composition of the loan portfolio at December 31, 2016 and 2015:

		December 31,
		2016								2015
(dollars in thousands)		Amount				Percent of Non-Covered Loans Held for Investment				Amount				Percent of Non-Covered Loans Held for Investment
Non-Covered Loans Held for Investment:
Mortgage Loans:
Multi-family		$	26,945,052				72.13	%		$	25,971,629				72.67	%
Commercial real estate			7,724,362				20.68				7,857,204				21.98
One-to-four family			381,081				1.02				116,841				0.33
Acquisition, development, and construction			381,194				1.02				311,676				0.87
Total mortgage loans held for investment		$	35,431,689				94.85			$	34,257,350				95.85
Other Loans:
Commercial and industrial			1,341,216				3.59				1,085,529				3.04
Lease financing, net of unearned income of $60,278 and $43,553, respectively			559,229				1.50				365,027				1.02
Total commercial and industrial loans (1)			1,900,445				5.09				1,450,556				4.06
Purchased credit-impaired loans			5,762				0.01				8,344				0.02
Other			18,305				0.05				24,239				0.07
Total other loans held for investment			1,924,512				5.15				1,483,139				4.15
Total non-covered loans held for investment		$	37,356,201				100.00	%		$	35,740,489				100.00	%
Net deferred loan origination costs			26,521								22,715
Allowance for losses on non-covered loans			(158,290	)							(147,124	)
Non-covered loans held for investment, net		$	37,224,432							$	35,616,080
Covered loans			1,698,133								2,060,089
Allowance for losses on covered loans			(23,701	)							(31,395	)
Covered loans, net		$	1,674,432							$	2,028,694
Loans held for sale			409,152								367,221
Total loans, net		$	39,308,016							$	38,011,995

(1) Includes specialty finance loans of $1.3 billion and $880.7 million, and other C&I loans of $632.9 million and $569.9 million, respectively, at December 31, 2016 and 2015.

Quality of Non-Covered Loans

The following table presents information regarding the quality of the Company’s non-covered loans held for investment (excluding non-covered PCI loans) at December 31, 2016:

(in thousands)		Loans 30-89 Days Past Due(1)				Non- Accrual Loans (1)				Loans 90 Days or More Delinquent and Still Accruing Interest				Total Past Due Loans				Current Loans				Total Loans Receivable
Multi-family		$	28			$	13,558			$	—			$	13,586			$	26,931,466			$	26,945,052
Commercial real estate			—				9,297				—				9,297				7,715,065				7,724,362
One-to-four family			2,844				9,679				—				12,523				368,558				381,081
Acquisition, development, and construction			—				6,200				—				6,200				374,994				381,194
Commercial and industrial (2)			7,263				16,422				—				23,685				1,876,760				1,900,445
Other			248				1,313				—				1,561				16,744				18,305
Total		$	10,383			$	56,469			$	—			$	66,852			$	37,283,587			$	37,350,439

(1) Excludes $6,000 and $869,000 of non-covered PCI loans that were 30 to 89 days past due and 90 days or more past due, respectively.

(2) Includes lease financing receivables, all of which were current.

The following table presents information regarding the quality of the Company’s non-covered loans held for investment at December 31, 2015:

(in thousands)		Loans 30-89 Days Past Due				Non- Accrual Loans (1)				Loans 90 Days or More Delinquent and Still Accruing Interest				Total Past Due Loans				Current Loans				Total Loans Receivable
Multi-family		$	4,818			$	13,904			$	—			$	18,722			$	25,952,907			$	25,971,629
Commercial real estate			178				14,920				—				15,098				7,842,106				7,857,204
One-to-four family			1,117				12,259				—				13,376				103,465				116,841
Acquisition, development, and construction			—				27				—				27				311,649				311,676
Commercial and industrial (2)			—				4,473				—				4,473				1,446,083				1,450,556
Other			492				1,242				—				1,734				22,505				24,239
Total		$	6,605			$	46,825			$	—			$	53,430			$	35,678,715			$	35,732,145

(1) Excludes $969,000 of non-covered PCI loans that were 90 days or more past due.

(2) Includes lease financing receivables, all of which were current.

Non-Covered Loan Portfolio by Credit Quality Indicator

The following table summarizes the Company’s portfolio of non-covered loans held for investment (excluding non-covered PCI loans) by credit quality indicator at December 31, 2016:

		Mortgage Loans																				Other Loans
(in thousands)		Multi- Family				Commercial Real Estate				One-to-Four Family				Acquisition, Development, and Construction				Total Mortgage Loans				Commercial and Industrial(1)				Other				Total Other Loans
Credit Quality Indicator:
Pass		$	26,754,622			$	7,701,773			$	371,179			$	341,784			$	35,169,358			$	1,771,975			$	16,992			$	1,788,967
Special mention			164,325				12,604				—				33,210				210,139				54,979				—				54,979
Substandard			26,105				9,985				9,902				6,200				52,192				73,491				1,313				74,804
Doubtful			—				—				—				—				—				—				—				—
Total		$	26,945,052			$	7,724,362			$	381,081			$	381,194			$	35,431,689			$	1,900,445			$	18,305			$	1,918,750

(1) Includes lease financing receivables, all of which were classified as “pass.”

The following table summarizes the Company’s portfolio of non-covered loans held for investment (excluding non-covered PCI loans) by credit quality indicator at December 31, 2015:

		Mortgage Loans																				Other Loans
(in thousands)		Multi- Family				Commercial Real Estate				One-to-Four Family				Acquisition, Development, and Construction				Total Mortgage Loans				Commercial and Industrial(1)				Other				Total Other Loans
Credit Quality Indicator:
Pass		$	25,936,423			$	7,839,127			$	104,582			$	309,039			$	34,189,171			$	1,433,778			$	22,996			$	1,456,774
Special mention			6,305				3,883				—				—				10,188				11,771				—				11,771
Substandard			28,901				14,194				12,259				2,637				57,991				5,007				1,243				6,250
Doubtful			—				—				—				—				—				—				—				—
Total		$	25,971,629			$	7,857,204			$	116,841			$	311,676			$	34,257,350			$	1,450,556			$	24,239			$	1,474,795

(1) Includes lease financing receivables, all of which were classified as “pass.”

Details of Interest Income on Non-Accrual Loans

The interest income that would have been recorded under the original terms of non-accrual loans at the respective year-ends, and the interest income actually recorded on these loans in the respective years, is summarized below:

		December 31,
(in thousands)		2016				2015				2014
Interest income that would have been recorded		$	3,128			$	2,288			$	3,997
Interest income actually recorded			(1,708	)			(1,574	)			(3,017	)
Interest income foregone		$	1,420			$	714			$	980

Information Regarding Troubled Debt Restructurings

The following table presents information regarding the Company’s TDRs as of December 31, 2016 and 2015:

		December 31,
		2016												2015
(in thousands)		Accruing				Non- Accrual				Total				Accruing				Non- Accrual				Total
Loan Category:
Multi-family		$	1,981			$	8,755			$	10,736			$	2,017			$	635			$	2,652
Commercial real estate			—				1,861				1,861				115				6,255				6,370
One-to-four family			222				1,749				1,971				—				987				987
Acquisition, development, and construction			—				—				—				—				27				27
Commercial and industrial			1,263				3,887				5,150				627				1,279				1,906
Other			—				202				202				—				213				213
Total		$	3,466			$	16,454			$	19,920			$	2,759			$	9,396			$	12,155

Financial Effects of Troubled Debt Restructurings

The financial effects of the Company’s TDRs for the twelve months ended December 31, 2016, 2015, and 2014 are summarized as follows:

		For the Twelve Months Ended December 31, 2016
(dollars in thousands)		Weighted Average Interest Rate
		Number of Loans				Pre- Modification				Post- Modification				Charge- off Amount				Capitalized Interest
Loan Category:
Multi-family			1				4.63	%			4.00	%		$	—			$	—
One-to-four family			5				4.26				2.65				—				11
Commercial and industrial			7				3.22				3.19				170				—
Total			13											$	170			$	11
		For the Twelve Months Ended December 31, 2015
(dollars in thousands)		Weighted Average Interest Rate
		Number of Loans				Pre- Modification				Post- Modification				Charge- off Amount				Capitalized Interest
Loan Category:
One-to-four family			4				4.02	%			2.72	%		$	—			$	6
Commercial and industrial			2				3.40				3.52				33				—
Other			2				4.58				2.00				—				2
Total			8											$	33			$	8
		For the Twelve Months Ended December 31, 2014
(dollars in thousands)		Weighted Average Interest Rate
		Number of Loans				Pre- Modification				Post- Modification				Charge- off Amount				Capitalized Interest
Loan Category:
Multi-family			2				5.61	%			5.61	%		$	—			$	—
Commercial real estate			2				6.71				5.54				334				—
One-to-four family			1				5.75				4.27				18				22
Acquisition, development, and construction			2				7.00				7.00				—				—
Commercial and industrial			1				5.00				5.00				—				—
Total			8											$	352			$	22

Covered Loans Acquired in AmTrust and Desert Hills Acquisitions

The following table presents the carrying value of covered loans acquired in the AmTrust and Desert Hills acquisitions as of December 31, 2016:

(dollars in thousands)		Amount				Percent of Covered Loans
Loan Category:
One-to-four family		$	1,609,635				94.8	%
Other loans			88,498				5.2
Total covered loans		$	1,698,133				100.0	%

Changes in Accretable Yield for Covered Loans

In the twelve months ended December 31, 2016, changes in the accretable yield for covered loans were as follows:

(in thousands)		Accretable Yield
Balance at beginning of period		$	803,145
Reclassification to non-accretable difference			(24,396	)
Accretion			(131,279	)
Balance at end of period		$	647,470

Covered Loans Thirty to Eighty Nine Days, Ninety Days or More Past Due

The following table presents information regarding the Company’s covered loans that were 90 days or more past due at December 31, 2016 and 2015:

		December 31,
(in thousands)		2016				2015
Covered Loans 90 Days or More Past Due:
One-to-four family		$	124,820			$	130,626
Other loans			6,645				6,556
Total covered loans 90 days or more past due		$	131,465			$	137,182

The following table presents information regarding the Company’s covered loans that were 30 to 89 days past due at December 31, 2016 and 2015:

		December 31,
(in thousands)		2016				2015
Covered Loans 30-89 Days Past Due:
One-to-four family		$	21,112			$	30,455
Other loans			1,536				2,369
Total covered loans 30-89 days past due		$	22,648			$	32,824

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