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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 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 September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Loans collectively evaluated for impairment |  | $ | 122,967 |  |  | $ | 26,466 |  |  | $ | 149,433 |
(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 September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 14,363 |  |  | $ | 42,742 |  |  | $ | 57,105 |
Loans collectively evaluated for impairment |  |  | 37,933,184 |  |  |  | 2,808,151 |  |  |  | 40,741,335 |
Total |  | $ | 37,947,547 |  |  | $ | 2,850,893 |  |  | $ | 40,798,440 |
(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 September 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 |  | $ | 5,793 |  |  | $ | 9,375 |  |  | $ | — |  |  | $ | 4,590 |  |  | $ | 317 |
Commercial real estate |  |  | 5,330 |  |  |  | 10,445 |  |  |  | — |  |  |  | 3,280 |  |  |  | 83 |
One-to-four family |  |  | 891 |  |  |  | 909 |  |  |  | — |  |  |  | 887 |  |  |  | 20 |
Acquisition, development, and construction |  |  | 2,349 |  |  |  | 3,249 |  |  |  | — |  |  |  | 4,548 |  |  |  | 324 |
Other |  |  | 42,742 |  |  |  | 120,414 |  |  |  | — |  |  |  | 40,241 |  |  |  | 2,365 |
Total impaired loans with no related allowance |  | $ | 57,105 |  |  | $ | 144,392 |  |  | $ | — |  |  | $ | 53,546 |  |  | $ | 3,109 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,000 |  |  |  | — |
Total impaired loans with an allowance recorded |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,000 |  |  | $ | — |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 5,793 |  |  | $ | 9,375 |  |  | $ | — |  |  | $ | 4,590 |  |  | $ | 317 |
Commercial real estate |  |  | 5,330 |  |  |  | 10,445 |  |  |  | — |  |  |  | 3,280 |  |  |  | 83 |
One-to-four family |  |  | 891 |  |  |  | 909 |  |  |  | — |  |  |  | 887 |  |  |  | 20 |
Acquisition, development, and construction |  |  | 2,349 |  |  |  | 3,249 |  |  |  | — |  |  |  | 4,548 |  |  |  | 324 |
Other |  |  | 42,742 |  |  |  | 120,414 |  |  |  | — |  |  |  | 45,241 |  |  |  | 2,365 |
Total impaired loans |  | $ | 57,105 |  |  | $ | 144,392 |  |  | $ | — |  |  | $ | 58,546 |  |  | $ | 3,109 |
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 Nine Months Ended September 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 |  |  | (1,386 | ) |  |  | (15,010 | ) |  |  | (16,396 | ) |  |  | (5,445 | ) |  |  | (9,705 | ) |  |  | (15,150 | )
Recoveries |  |  | 43 |  |  |  | 563 |  |  |  | 606 |  |  |  | 242 |  |  |  | 1,031 |  |  |  | 1,273 |
(Recovery of) provision for losses on loans |  |  | (6,673 | ) |  |  | 12,076 |  |  |  | 5,403 |  |  |  | 5,744 |  |  |  | 9,742 |  |  |  | 15,486 |
Balance, end of period |  | $ | 122,967 |  |  | $ | 26,466 |  |  | $ | 149,433 |  |  | $ | 128,816 |  |  | $ | 30,839 |  |  | $ | 159,655 |

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