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Allowances for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2017

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 March 31, 2017:
Loans individually evaluated for impairment		$	—			$	189			$	189
Loans collectively evaluated for impairment			120,489				32,014				152,503
Acquired loans with deteriorated credit quality			11,257				8,407				19,664
Total		$	131,746			$	40,610			$	172,356
(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

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 March 31, 2017:
Loans individually evaluated for impairment		$	23,436			$	29,400			$	52,836
Loans collectively evaluated for impairment			35,346,837				1,899,340				37,246,177
Acquired loans with deteriorated credit quality			1,536,952				67,989				1,604,941
Total		$	36,907,225			$	1,996,729			$	38,903,954
(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

Additional Information Regarding Impaired Non-Covered Loans

The following table presents additional information about the Company’s impaired non-covered loans at March 31, 2017:

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Multi-family		$	10,223			$	12,724			$	—			$	10,482			$	143
Commercial real estate			3,176				8,946				—				6,147				23
One-to-four family			3,837				4,504				—				3,719				28
Acquisition, development, and construction			6,200				15,500				—				6,200				—
Other			28,143				36,906				—				17,441				176
Total impaired loans with no related allowance		$	51,579			$	78,580			$	—			$	43,989			$	370
Impaired loans with an allowance recorded:
Multi-family		$	—			$	—			$	—			$	—			$	—
Commercial real estate			—				—				—				—				—
One-to-four family			—				—				—				—				—
Acquisition, development, and construction			—				—				—				—				—
Other			1,257				1,257				189				6,555				10
Total impaired loans with an allowance recorded		$	1,257			$	1,257			$	189			$	6,555			$	10
Total impaired loans:
Multi-family		$	10,223			$	12,724			$	—			$	10,482			$	143
Commercial real estate			3,176				8,946				—				6,147				23
One-to-four family			3,837				4,504				—				3,719				28
Acquisition, development, and construction			6,200				15,500				—				6,200				—
Other			29,400				38,163				189				23,996				186
Total impaired loans		$	52,836			$	79,837			$	189			$	50,544			$	380

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

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 three months ended March 31, 2017 and 2016:

		March 31,
		2017												2016
(in thousands)		Mortgage				Other				Total				Mortgage				Other				Total
Balance, beginning of period		$	125,416			$	32,874			$	158,290			$	124,478			$	22,646			$	147,124
Charge-offs			—				(5,830	)			(5,830	)			(46	)			(148	)			(194	)
Recoveries			115				88				203				879				248				1,127
(Recovery of) provision for non-covered loan losses			(3,679	)			5,466				1,787				874				1,847				2,721
Balance, end of period		$	121,852			$	32,598			$	154,450			$	126,185			$	24,593			$	150,778

Covered Loans

Activity in Allowance for Loan Losses

The following table summarizes activity in the allowance for losses on covered loans for the three months ended March 31, 2017 and 2016:

		March 31,
(in thousands)		2017				2016
Balance, beginning of period		$	23,701			$	31,395
Recovery of losses on covered loans			(5,795	)			(2,897	)
Balance, end of period		$	17,906			$	28,498

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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=66008989&loc=SL6953423-111524

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Tabular disclosure of impaired financing receivables.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5212-111524

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