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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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Additional Information Regarding Methods Used to Evaluate Loan Portfolio for Impairment.

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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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Tabular disclosure of impaired financing receivables.

+ References

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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