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v3.20.1

Allowance for Loan and Lease Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Additional Information Regarding Methods Used to Evaluate Loan Portfolio for Impairment | The following table presents additional information about the Company’s nonaccrual loans at March 31, 2020:
(in thousands) |  | Recorded Investment |  |  | Related Allowance |  |  | Interest Income Recognized |
Nonaccrual loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 2,412 |  |  | $ | — |  |  | $ | 64 |
Commercial real estate |  |  | 14,700 |  |  |  | — |  |  |  | 24 |
One-to-four family |  |  | 577 |  |  |  | — |  |  |  | 5 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 27,218 |  |  |  | — |  |  |  | 551 |
Total nonaccrual loans with no related allowance |  | $ | 44,907 |  |  | $ | — |  |  | $ | 644 |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 1,830 |  |  | $ | 264 |  |  | $ | — |
Commercial real estate |  |  | 1,401 |  |  |  | 110 |  |  |  | 15 |
One-to-four family |  |  | 1,144 |  |  |  | 10 |  |  |  | 3 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |
Total nonaccrual loans with an allowance recorded |  | $ | 4,375 |  |  | $ | 384 |  |  | $ | 18 |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 4,242 |  |  | $ | 264 |  |  | $ | 64 |
Commercial real estate |  |  | 16,101 |  |  |  | 110 |  |  |  | 39 |
One-to-four family |  |  | 1,721 |  |  |  | 10 |  |  |  | 8 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 27,218 |  |  |  | — |  |  |  | 551 |
Total nonaccrual loans |  | $ | 49,282 |  |  | $ | 384 |  |  | $ | 662 |
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 |
Non-Covered Loans |
Activity in Allowance for Loan Losses | The following table summarizes activity in the allowance for loan and lease losses for the periods indicated:
|  | For the Three Months Ended March 31, |
|  | 2020 |  |  | 2019 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |  |  | Mortgage |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 122,695 |  |  | $ | 24,943 |  |  | $ | 147,638 |  |  | $ | 130,983 |  |  | $ | 28,837 |  |  | $ | 159,820 |
Impact of CECL adoption |  |  | (178 | ) |  |  | 2,089 |  |  |  | 1,911 |  |  |  | — |  |  |  | — |  |  |  | — |
Charge-offs |  |  | — |  |  |  | (10,385 | ) |  |  | (10,385 | ) |  |  | — |  |  |  | (2,079 | ) |  |  | (2,079 | )
Recoveries |  |  | 11 |  |  |  | 178 |  |  |  | 189 |  |  |  | 7 |  |  |  | 110 |  |  |  | 117 |
(Recovery of) provision for credit losses on loans |  |  | 18,786 |  |  |  | 4,105 |  |  |  | 22,891 |  |  |  | (2,224 | ) |  |  | 1,002 |  |  |  | (1,222 | )
Balance, end of period |  | $ | 141,314 |  |  | $ | 20,930 |  |  | $ | 162,244 |  |  | $ | 128,766 |  |  | $ | 27,870 |  |  | $ | 156,636 |

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