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v3.21.2

Allowance for Credit Losses on Loans and Leases (Tables) | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2021 | Dec. 31, 2020
Summary of Additional Information about Nonaccrual Loans | The following table presents additional information about the Company’s nonaccrual loans at March 31, 2021:
(in thousands) |  | Recorded Investment |  |  | Related Allowance |  |  | Interest Income Recognized |
Nonaccrual loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 6,840 |  |  | $ | — |  |  | $ | 81 |
Commercial real estate |  |  | 10,491 |  |  |  | — |  |  |  | — |
One-to-four family |  |  | 330 |  |  |  | — |  |  |  | 3 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 10,205 |  |  |  | — |  |  |  | 18 |
Total nonaccrual loans with no related allowance |  | $ | 27,866 |  |  | $ | — |  |  | $ | 102 |
Nonaccrual loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 3,048 |  |  | $ | 435 |  |  | $ | — |
Commercial real estate |  |  | 1,082 |  |  |  | 84 |  |  |  | 2 |
One-to-four family |  |  | 1,137 |  |  |  | 365 |  |  |  | 3 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 45 |  |  |  | 20 |  |  |  | 1 |
Total nonaccrual loans with an allowance recorded |  | $ | 5,312 |  |  | $ | 904 |  |  | $ | 6 |
Total nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |
Multi-family |  | $ | 9,888 |  |  | $ | 435 |  |  | $ | 81 |
Commercial real estate |  |  | 11,573 |  |  |  | 84 |  |  |  | 2 |
One-to-four family |  |  | 1,467 |  |  |  | 365 |  |  |  | 6 |
Acquisition, development, and construction |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 10,250 |  |  |  | 20 |  |  |  | 19 |
Total nonaccrual loans |  | $ | 33,178 |  |  | $ | 904 |  |  | $ | 108 |
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 |
| 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 credit losses on loans and leases for the periods indicated:
|  | For the Three Months Ended March 31, |
|  | 2021 |  |  | 2020 |
(in thousands) |  | Mortgage |  |  | Other |  |  | Total |  |  | Mortgage |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 176,538 |  |  | $ | 17,505 |  |  | $ | 194,043 |  |  | $ | 122,695 |  |  | $ | 24,943 |  |  | $ | 147,638 |
Impact of CECL adoption |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (178 | ) |  |  | 2,089 |  |  |  | 1,911 |
Adjusted balance, beginning of period |  |  | 176,538 |  |  |  | 17,505 |  |  |  | 194,043 |  |  |  | 122,517 |  |  |  | 27,032 |  |  |  | 149,549 |
Charge-offs |  |  | (658 | ) |  |  | (3,666 | ) |  |  | (4,324 | ) |  |  | — |  |  |  | (10,385 | ) |  |  | (10,385 | )
Recoveries |  |  | 20 |  |  |  | 4,821 |  |  |  | 4,841 |  |  |  | 11 |  |  |  | 178 |  |  |  | 189 |
Provision for credit losses |  |  | 527 |  |  |  | 2,671 |  |  |  | 3,198 |  |  |  | 18,786 |  |  |  | 4,105 |  |  |  | 22,891 |
Balance, end of period |  | $ | 176,427 |  |  | $ | 21,331 |  |  | $ | 197,758 |  |  | $ | 141,314 |  |  | $ | 20,930 |  |  | $ | 162,244 |
| 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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