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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2019

Activity in Allowance for Loan Losses

The following tables provide additional information regarding the Company’s allowance for loan losses based upon the method of evaluating loan impairment:

(in thousands)		Mortgage				Other				Total
Allowances for Loan Losses at June 30, 2019:
Loans collectively evaluated for impairment		$	122,088			$	29,024			$	151,112
(in thousands)		Mortgage				Other				Total
Allowances for Loan Losses at December 31, 2018:
Loans collectively evaluated for impairment		$	130,983			$	28,837			$	159,820

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 June 30, 2019:
Loans individually evaluated for impairment		$	11,677			$	43,243			$	54,920
Loans collectively evaluated for impairment			38,036,622				2,741,904				40,778,526
Total		$	38,048,299			$	2,785,147			$	40,833,446
(in thousands)		Mortgage				Other				Total
Loans Receivable at December 31, 2018:
Loans individually evaluated for impairment		$	15,794			$	36,375			$	52,169
Loans collectively evaluated for impairment			37,720,923				2,360,769				40,081,692
Total		$	37,736,717			$	2,397,144			$	40,133,861

Additional Information Regarding Impaired Non-Covered Loans

The following table presents additional information about the Company’s impaired loans at June 30, 2019:

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Multi-family		$	3,906			$	6,981			$	—			$	3,988			$	127
Commercial real estate			2,255				7,371				—				2,256				—
One-to-four family			757				775				—				884				10
Acquisition, development, and construction			4,759				5,659				—				5,647				251
Other			43,243				116,108				—				38,991				1,384
Total impaired loans with no related allowance		$	54,920			$	136,894			$	—			$	51,766			$	1,772
Impaired loans with an allowance recorded:
Multi-family		$	—			$	—			$	—			$	—			$	—
Commercial real estate			—				—				—				—				—
One-to-four family			—				—				—				—				—
Acquisition, development, and construction			—				—				—				—				—
Other			—				—				—				7,500				—
Total impaired loans with an allowance recorded		$	—			$	—			$	—			$	7,500			$	—
Total impaired loans:
Multi-family		$	3,906			$	6,981			$	—			$	3,988			$	127
Commercial real estate			2,255				7,371				—				2,256				—
One-to-four family			757				775				—				884				10
Acquisition, development, and construction			4,759				5,659				—				5,647				251
Other			43,243				116,108				—				46,491				1,384
Total impaired loans		$	54,920			$	136,894			$	—			$	59,266			$	1,772

The following table presents additional information about the Company’s impaired loans at December 31, 2018:

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Multi-family		$	4,220			$	7,168			$	—			$	6,114			$	340
Commercial real estate			2,256				7,371				—				3,234				—
One-to-four family			1,022				1,076				—				1,576				26
Acquisition, development, and construction			8,296				9,197				—				9,238				590
Other			36,375				101,701				—				42,984				3,057
Total impaired loans with no related allowance		$	52,169			$	126,513			$	—			$	63,146			$	4,013
Impaired loans with an allowance recorded:
Multi-family		$	—			$	—			$	—			$	—			$	—
Commercial real estate			—				—				—				—				—
One-to-four family			—				—				—				—				—
Acquisition, development, and construction			—				—				—				—				—
Other			—				—				—				20				—
Total impaired loans with an allowance recorded		$	—			$	—			$	—			$	20			$	—
Total impaired loans:
Multi-family		$	4,220			$	7,168			$	—			$	6,114			$	340
Commercial real estate			2,256				7,371				—				3,234				—
One-to-four family			1,022				1,076				—				1,576				26
Acquisition, development, and construction			8,296				9,197				—				9,238				590
Other			36,375				101,701				—				43,004				3,057
Total impaired loans		$	52,169			$	126,513			$	—			$	63,166			$	4,013

Non-Covered Loans

Activity in Allowance for Loan Losses

Allowance for Loan Losses

The following table summarizes activity in the allowance for loan losses for the periods indicated:

		For the Six Months Ended June 30,
		2019												2018
(in thousands)		Mortgage				Other				Total				Mortgage				Other				Total
Balance, beginning of period		$	130,983			$	28,837			$	159,820			$	128,275			$	29,771			$	158,046
Charge-offs			—				(9,830	)			(9,830	)			(5,444	)			(7,404	)			(12,848	)
Recoveries			22				478				500				229				940				1,169
(Recovery of) provision for losses on loans			(8,917	)			9,539				622				6,637				7,648				14,285
Balance, end of period		$	122,088			$	29,024			$	151,112			$	129,697			$	30,955			$	160,652

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Additional Information Regarding Methods Used to Evaluate Loan Portfolio for Impairment.

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- Definition

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://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

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Tabular disclosure of impaired financing receivables.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5212-111524

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