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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 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 |
Allowance for Loan Losses at December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | 116 |  |  | $ | 116 |
Loans collectively evaluated for impairment |  |  | 122,694 |  |  |  | 24,828 |  |  |  | 147,522 |
Total |  | $ | 122,694 |  |  | $ | 24,944 |  |  | $ | 147,638 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |
Allowance for Loan Losses at December 31, 2018: |  |  |  |  |  |  |  |  |  |  |  |
Loans collectively evaluated for impairmen t |  | $ | 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 December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 19,267 |  |  | $ | 39,114 |  |  | $ | 58,381 |
Loans collectively evaluated for impairment |  |  | 38,802,272 |  |  |  | 2,983,366 |  |  |  | 41,785,638 |
Total |  | $ | 38,821,539 |  |  | $ | 3,022,480 |  |  | $ | 41,844,019 |
(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 impairmen t |  |  | 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 December 31, 2019:
(in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 3,577 |  |  | $ | 6,790 |  |  | $ | — |  |  | $ | 4,336 |  |  | $ | 266 |
Commercial real estate |  |  | 14,717 |  |  |  | 19,832 |  |  |  | — |  |  |  | 6,140 |  |  |  | 371 |
One-to-four family |  |  | 584 |  |  |  | 602 |  |  |  | — |  |  |  | 811 |  |  |  | 21 |
Acquisition, development, and construction |  |  | 389 |  |  |  | 1,289 |  |  |  | — |  |  |  | 3,508 |  |  |  | 364 |
Other |  |  | 37,669 |  |  |  | 114,636 |  |  |  | — |  |  |  | 39,598 |  |  |  | 2,494 |
Total impaired loans with no related allowance |  | $ | 56,936 |  |  | $ | 143,149 |  |  | $ | — |  |  | $ | 54,393 |  |  | $ | 3,516 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
One-to-four family |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 1,445 |  |  |  | 4,173 |  |  |  | 116 |  |  |  | 4,111 |  |  |  | 13 |
Total impaired loans with an allowance recorded |  | $ | 1,445 |  |  | $ | 4,173 |  |  | $ | 116 |  |  | $ | 4,111 |  |  | $ | 13 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 3,577 |  |  | $ | 6,790 |  |  | $ | — |  |  | $ | 4,336 |  |  | $ | 266 |
Commercial real estate |  |  | 14,717 |  |  |  | 19,832 |  |  |  | — |  |  |  | 6,140 |  |  |  | 371 |
One-to-four family |  |  | 584 |  |  |  | 602 |  |  |  | — |  |  |  | 811 |  |  |  | 21 |
Acquisition, development, and construction |  |  | 389 |  |  |  | 1,289 |  |  |  | — |  |  |  | 3,508 |  |  |  | 364 |
Other |  |  | 39,114 |  |  |  | 118,809 |  |  |  | 116 |  |  |  | 43,709 |  |  |  | 2,507 |
Total impaired loans |  | $ | 58,381 |  |  | $ | 147,322 |  |  | $ | 116 |  |  | $ | 58,504 |  |  | $ | 3,529 |
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 | The following table summarizes activity in the allowance for loan losses for the periods indicated:
|  | For the Twelve Months Ended December 31, |
|  | 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 |  |  | (1,613 | ) |  |  | (18,694 | ) |  |  | (20,307 | ) |  |  | (5,445 | ) |  |  | (12,897 | ) |  |  | (18,342 | )
Recoveries |  |  | 61 |  |  |  | 959 |  |  |  | 1,020 |  |  |  | 264 |  |  |  | 1,596 |  |  |  | 1,860 |
(Recovery of) provision for losses on loans |  |  | (6,737 | ) |  |  | 13,842 |  |  |  | 7,105 |  |  |  | 7,889 |  |  |  | 10,367 |  |  |  | 18,256 |
Balance, end of period |  | $ | 122,694 |  |  | $ | 24,944 |  |  | $ | 147,638 |  |  | $ | 130,983 |  |  | $ | 28,837 |  |  | $ | 159,820 |

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