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Allowance for Credit Losses on Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2020

Summary of Additional Information about Nonaccrual Loans

The following table presents additional information about the Company’s nonaccrual loans at December 31, 2020:

(in thousands)		Recorded Investment					Related Allowance					Interest Income Recognized
Nonaccrual loans with no related allowance:
Multi-family		$		—			$		—			$		—
Commercial real estate				2,256					—					—
One-to-four family				557					—					21
Acquisition, development, and construction				—					—					—
Other				19,821					—					820
Total nonaccrual loans with no related allowance		$		22,634			$		—			$		841
Nonaccrual loans with an allowance recorded:
Multi-family		$		4,068			$		589			$		28
Commercial real estate				9,886					133					52
One-to-four family				1,139					370					14
Acquisition, development, and construction				—					—					—
Other				58					18					5
Total nonaccrual loans with an allowance recorded		$		15,151			$		1,110			$		99
Total nonaccrual loans:
Multi-family		$		4,068			$		589			$		28
Commercial real estate				12,142					133					52
One-to-four family				1,696					370					35
Acquisition, development, and construction				—					—					—
Other				19,879					18					825
Total nonaccrual loans		$		37,785			$		1,110			$		940

Summary of Additional Information about Impaired 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

Summary of Activity in Allowance for Loan and Lease Losses

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

			Twelve Months Ended December 31,
			2020														2019
(in thousands)			Mortgage					Other					Total				Mortgage				Other				Total
Balance, beginning of period		$		122,694			$		24,944			$		147,638			$	130,983			$	28,837			$	159,820
Impact of CECL adoption				99					1,812					1,911				—				—				—
Adjusted balance, beginning of period				122,793					26,756					149,549				130,983				28,837				159,820
Charge-offs				(1,872	)				(20,306	)				(22,178	)			(1,613	)			(18,694	)			(20,307	)
Recoveries				1,172					2,221					3,393				61				959				1,020
Provision for (recovery of) credit    losses on loans and leases				54,445					8,834					63,279				(6,737	)			13,842				7,105
Balance, end of period		$		176,538			$		17,505			$		194,043			$	122,694			$	24,944			$	147,638

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Tabular disclosure of allowance for credit loss on financing receivable.

+ 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=121611835&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447

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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=121611835&loc=d3e5212-111524

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