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Loans (Tables)

3 Months Ended

Mar. 31, 2018

Composition of Loan Portfolio

The following table sets forth the composition of the loan portfolio at the dates indicated:

		March 31, 2018								December 31, 2017
(dollars in thousands)		Amount				Percent of Loans Held for Investment				Amount				Percent of Loans Held for Investment
Loans Held for Investment:
Mortgage Loans:
Multi-family		$	28,656,234				73.74	%		$	28,074,709				73.19	%
Commercial real estate			7,252,889				18.66				7,322,226				19.09
One-to-four family			465,704				1.20				477,228				1.24
Acquisition, development, and construction			441,767				1.14				435,825				1.14
Total mortgage loans held for investment		$	36,816,594				94.74			$	36,309,988				94.66
Other Loans:
Commercial and industrial			1,377,766				3.55				1,377,964				3.59
Lease financing, net of unearned income of $61,251 and $65,041, respectively			657,264				1.69				662,610				1.73
Total commercial and industrial loans (1)			2,035,030				5.24				2,040,574				5.32
Other			8,230				0.02				8,460				0.02
Total other loans held for investment			2,043,260				5.26				2,049,034				5.34
Total loans held for investment		$	38,859,854				100.00	%		$	38,359,022				100.00	%
Net deferred loan origination costs			29,569								28,949
Allowance for losses on non-covered loans			(161,140	)							(158,046	)
Loans held for investment, net		$	38,728,283							$	38,229,925
Loans held for sale			31,402								35,258
Total loans, net		$	38,759,685							$	38,265,183

(1) Includes specialty finance loans of $1.5 billion at March 31, 2018 and December 31, 2017, and other C&I loans of $522.0 million and $500.8 million, respectively, at March 31, 2018 and December 31, 2017.

Quality of Loans

The following table presents information regarding the quality of the Company’s loans held for investment at March 31, 2018:

(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		$	—			$	11,881			$	—			$	11,881			$	28,644,353			$	28,656,234
Commercial real estate			3,191				13,611				—				16,802				7,236,087				7,252,889
One-to-four family			397				1,949				—				2,346				463,358				465,704
Acquisition, development, and construction			—				—				—				—				441,767				441,767
Commercial and industrial(1) (2)			6,736				45,941				—				52,677				1,982,353				2,035,030
Other			27				4				—				31				8,199				8,230
Total		$	10,351			$	73,386			$	—			$	83,737			$	38,776,117			$	38,859,854

(1) Includes $6.7 million and $44.8 million of taxi medallion-related 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 loans held for investment at December 31, 2017:

(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		$	1,258			$	11,078			$	—			$	12,336			$	28,062,373			$	28,074,709
Commercial real estate			13,227				6,659				—				19,886				7,302,340				7,322,226
One-to-four family			585				1,966				—				2,551				474,677				477,228
Acquisition, development, and construction			—				6,200				—				6,200				429,625				435,825
Commercial and industrial(1) (2)			2,711				47,768				—				50,479				1,990,095				2,040,574
Other			8				11				—				19				8,441				8,460
Total		$	17,789			$	73,682			$	—			$	91,471			$	38,267,551			$	38,359,022

(1) Includes $2.7 million and $46.7 million of taxi medallion-related 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.

Loan Portfolio by Credit Quality Indicator

The following table summarizes the Company’s portfolio of loans held for investment by credit quality indicator at March 31, 2018:

		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		$	28,409,201			$	7,193,256			$	460,080			$	357,174			$	36,419,711			$	1,923,271			$	8,226			$	1,931,497
Special mention			190,762				45,379				3,675				75,041				314,857				20,358				—				20,358
Substandard			56,271				14,254				1,949				9,552				82,026				91,401				4				91,405
Doubtful			—				—				—				—				—				—				—				—
Total		$	28,656,234			$	7,252,889			$	465,704			$	441,767			$	36,816,594			$	2,035,030			$	8,230			$	2,043,260

(1) Includes lease financing receivables, all of which were classified as Pass.

The following table summarizes the Company’s portfolio of loans held for investment by credit quality indicator at December 31, 2017:

		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		$	27,874,330			$	7,255,100			$	471,571			$	344,040			$	35,945,041			$	1,925,527			$	8,449			$	1,933,976
Special mention			125,752				47,123				3,691				76,033				252,599				20,883				—				20,883
Substandard			74,627				20,003				1,966				15,752				112,348				94,164				11				94,175
Doubtful			—				—				—				—				—				—				—				—
Total		$	28,074,709			$	7,322,226			$	477,228			$	435,825			$	36,309,988			$	2,040,574			$	8,460			$	2,049,034

(1) Includes lease financing receivables, all of which were classified as Pass.

Information Regarding Troubled Debt Restructurings

The following table presents information regarding the Company’s TDRs as of March 31, 2018 and December 31, 2017:

		March 31, 2018												December 31, 2017
(in thousands)		Accruing				Non-Accrual				Total				Accruing				Non-Accrual				Total
Loan Category:
Multi-family		$	820			$	7,607			$	8,427			$	824			$	8,061			$	8,885
Commercial real estate			—				365				365				—				368				368
One-to-four family			—				1,053				1,053				—				1,066				1,066
Acquisition, development, and construction			9,552				—				9,552				8,652				—				8,652
Commercial and industrial			—				26,992				26,992				177				26,408				26,585
Total		$	10,372			$	36,017			$	46,389			$	9,653			$	35,903			$	45,556

Financial Effects of Troubled Debt Restructurings

The financial effects of the Company’s TDRs for the three months ended March 31, 2018 and 2017 are summarized as follows:

		For the Three Months Ended March 31, 2018
														Weighted Average Interest Rate
(dollars in thousands)		Number of Loans				Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre- Modification				Post- Modification				Charge-off Amount				Capitalized Interest
Loan Category:
Acquisition, development, and construction			1			$	900			$	900				4.50	%			4.50	%		$	—			$	—
Commercial and industrial			6				3,166				1,754				3.28				3.21				1,318				—
Total			7			$	4,066			$	2,654											$	1,318			$	—
		For the Three Months Ended March 31, 2017
														Weighted Average Interest Rate
(dollars in thousands)		Number of Loans				Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre- Modification				Post- Modification				Charge-off Amount				Capitalized Interest
Loan Category:
One-to-four family			1			$	264			$	339				6.00	%			2.63	%		$	—			$	5
Commercial and industrial			17				7,998				4,745				3.30				3.46				3,280				—
Total			18			$	8,262			$	5,084											$	3,280			$	5

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Non-Performing Loans.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524

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Tabular disclosure of troubled debt restructuring which results when the debtor restructures the terms of its debt with a creditor due to the debtor's financial difficulties and the creditor grants certain concessions to obtain payment it might not otherwise receive. Includes a description of the principal changes in terms, the major features of settlement for each restructuring, the aggregate gain on restructuring and the related income tax effect, the per share amount of the total gain on restructuring, net of related income tax effect, and the total gain (loss) on transfers of assets recognized during the period. After the troubled debt restructuring has occurred debtors discuss the extent and amount to which amounts contingently payable are included in the carrying amount of restructured payables, and the conditions under which those amounts would become payable or would be forgiven when there is at least a reasonable possibility that a liability for contingent payments will be incurred.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 60
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15765-112638

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 60
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6402221&loc=d3e15743-112638

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Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953682-111524

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