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Loan and Lease Finance Receivables and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2012
Summary of Components of Loan and Lease Finance Receivables | The following tables provide a summary of the components of loan and lease finance receivables:
|  | December 31, 2012 |
|  | Non-Covered Loans |  |  | Covered Loans |  |  | Total |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 547,422 |  |  | $ | 26,149 |  |  | $ | 573,571 |
Real estate: |  |  | — |  |  |  |  |  |  |  |  |
Construction |  |  | 59,721 |  |  |  | 1,579 |  |  |  | 61,300 |
Commercial real estate |  |  | 1,990,107 |  |  |  | 179,428 |  |  |  | 2,169,535 |
SFR mortgage |  |  | 159,288 |  |  |  | 1,415 |  |  |  | 160,703 |
Consumer |  |  | 47,557 |  |  |  | 6,337 |  |  |  | 53,894 |
Municipal lease finance receivables |  |  | 105,767 |  |  |  | — |  |  |  | 105,767 |
Auto and equipment leases, net of unearned discount |  |  | 12,716 |  |  |  | — |  |  |  | 12,716 |
Dairy and livestock |  |  | 327,579 |  |  |  | — |  |  |  | 327,579 |
Agribusiness |  |  | 9,081 |  |  |  | 5,651 |  |  |  | 14,732 |
Gross loans |  |  | 3,259,238 |  |  |  | 220,559 |  |  |  | 3,479,797 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Purchase accounting discount |  |  | — |  |  |  | (25,344 | ) |  |  | (25,344 | )
Deferred loan fees, net |  |  | (6,925 | ) |  |  | — |  |  |  | (6,925 | )
Gross loans, net of deferred loan fees |  |  | 3,252,313 |  |  |  | 195,215 |  |  |  | 3,447,528 |
Less: Allowance for credit losses |  |  | (92,441 | ) |  |  | — |  |  |  | (92,441 | )
Net loans |  | $ | 3,159,872 |  |  | $ | 195,215 |  |  | $ | 3,355,087 |
|  | December 31, 2011 |
|  | Non-Covered Loans |  |  | Covered Loans |  |  | Total |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 494,299 |  |  | $ | 29,651 |  |  | $ | 523,950 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | 76,146 |  |  |  | 18,685 |  |  |  | 94,831 |
Commercial real estate |  |  | 1,948,292 |  |  |  | 223,107 |  |  |  | 2,171,399 |
SFR mortgage |  |  | 176,442 |  |  |  | 3,289 |  |  |  | 179,731 |
Consumer |  |  | 51,436 |  |  |  | 8,353 |  |  |  | 59,789 |
Municipal lease finance receivables |  |  | 113,460 |  |  |  | 169 |  |  |  | 113,629 |
Auto and equipment leases, net of unearned discount |  |  | 17,370 |  |  |  | — |  |  |  | 17,370 |
Dairy and livestock |  |  | 343,350 |  |  |  | 199 |  |  |  | 343,549 |
Agribusiness |  |  | 4,327 |  |  |  | 24,196 |  |  |  | 28,523 |
Gross loans |  |  | 3,225,122 |  |  |  | 307,649 |  |  |  | 3,532,771 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Purchase accounting discount |  |  | — |  |  |  | (50,780 | ) |  |  | (50,780 | )
Deferred loan fees, net |  |  | (5,395 | ) |  |  | — |  |  |  | (5,395 | )
Gross loans, net of deferred loan fees |  |  | 3,219,727 |  |  |  | 256,869 |  |  |  | 3,476,596 |
Less: Allowance for credit losses |  |  | (93,964 | ) |  |  | — |  |  |  | (93,964 | )
Net loans |  | $ | 3,125,763 |  |  | $ | 256,869 |  |  | $ | 3,382,632 |
Schedule Activity of Loans Held-for-Sale | The following is the activity of loans held-for-sale for the periods indicated: Non-Covered Loans Held-for-Sale Activity
|  | For the Year Ended December 31, |
|  | 2012 |  |  | 2011 |
|  | (Dollars in thousands) |
Balance, beginning of period |  | $ | 348 |  |  | $ | 2,954 |
Originations of mortgage loans |  |  | 25,489 |  |  |  | 37,304 |
Sales of mortgage loans |  |  | (22,250 | ) |  |  | (34,962 | )
Transfer of mortgage loans to held-for-investment |  |  | (3,587 | ) |  |  | (3,292 | )
Sales of other loans |  |  | — |  |  |  | (6,000 | )
Transfers of other loans to held-for-sale |  |  | — |  |  |  | 6,000 |
Write-down of loans held-for-sale |  |  | — |  |  |  | (1,656 | )
Balance, end of period |  | $ | — |  |  | $ | 348 |
Occasionally, the Company may decide to retain and not sell certain mortgage loans originated and will transfer them to the held for investment loan portfolio. This is generally done for customer service purposes. Covered Loans Held-for-Sale Activity
|  | For the Year Ended December 31, |
|  | 2012 |  |  | 2011 |
|  | (Dollars in thousands) |
Balance, beginning of period |  | $ | 5,664 |  |  | $ | — |
Originations of mortgage loans |  |  | — |  |  |  | — |
Sales of mortgage loans |  |  | — |  |  |  | — |
Transfer of other loans to held-for-investment |  |  | — |  |  |  | — |
Sales of other loans |  |  | (3,745 | ) |  |  | — |
Transfers of other loans to held-for-sale |  |  | — |  |  |  | 5,726 |
Write-down of loans held-for-sale |  |  | (1,219 | ) |  |  | — |
Payment on other loans |  |  | (700 | ) |  |  | (62 | )
Balance, end of period |  | $ | — |  |  | $ | 5,664 |
Summary of Internal Risk Grouping by Loan Class | The following table summarizes our internal risk grouping by loan class as of December 31, 2012 and 2011: Credit Quality Indicators
|  | December 31, 2012 |
|  | Pass |  |  | Watch List |  |  | Special Mention |  |  | Substandard |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
Commercial & industrial |  | $ | 347,275 |  |  | $ | 131,186 |  |  | $ | 44,466 |  |  | $ | 22,901 |  |  | $ | 1,594 |  |  | $ | 547,422 |
Construction—speculative |  |  | 1,417 |  |  |  | — |  |  |  | 15,163 |  |  |  | 21,314 |  |  |  | — |  |  |  | 37,894 |
Construction—non-speculative |  |  | 9,841 |  |  |  | 2,767 |  |  |  | — |  |  |  | 9,219 |  |  |  | — |  |  |  | 21,827 |
Commercial real estate—owner occupied |  |  | 382,111 |  |  |  | 159,653 |  |  |  | 78,087 |  |  |  | 84,116 |  |  |  | — |  |  |  | 703,967 |
Commercial real estate—non-owner occupied |  |  | 888,777 |  |  |  | 214,901 |  |  |  | 105,121 |  |  |  | 77,341 |  |  |  | — |  |  |  | 1,286,140 |
Residential real estate (SFR 1-4) |  |  | 129,730 |  |  |  | 10,215 |  |  |  | 3,107 |  |  |  | 16,236 |  |  |  | — |  |  |  | 159,288 |
Dairy and livestock |  |  | 67,144 |  |  |  | 108,087 |  |  |  | 74,510 |  |  |  | 77,721 |  |  |  | 117 |  |  |  | 327,579 |
Agribusiness |  |  | 4,969 |  |  |  | 3,306 |  |  |  | 806 |  |  |  | — |  |  |  | — |  |  |  | 9,081 |
Municipal lease finance receivables |  |  | 72,432 |  |  |  | 20,237 |  |  |  | 11,124 |  |  |  | 1,974 |  |  |  | — |  |  |  | 105,767 |
Consumer |  |  | 40,650 |  |  |  | 3,538 |  |  |  | 1,976 |  |  |  | 1,339 |  |  |  | 54 |  |  |  | 47,557 |
Auto and equipment leases |  |  | 8,671 |  |  |  | 3,225 |  |  |  | 738 |  |  |  | 82 |  |  |  | — |  |  |  | 12,716 |
Total non-covered loans |  |  | 1,953,017 |  |  |  | 657,115 |  |  |  | 335,098 |  |  |  | 312,243 |  |  |  | 1,765 |  |  |  | 3,259,238 |
Covered loans |  |  | 52,637 |  |  |  | 72,803 |  |  |  | 31,689 |  |  |  | 63,354 |  |  |  | 76 |  |  |  | 220,559 |
Total loans excluding held-for-sale |  |  | 2,005,654 |  |  |  | 729,918 |  |  |  | 366,787 |  |  |  | 375,597 |  |  |  | 1,841 |  |  |  | 3,479,797 |
Non-covered loans held-for-sale |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Covered loans held-for-sale |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total gross loans |  | $ | 2,005,654 |  |  | $ | 729,918 |  |  | $ | 366,787 |  |  | $ | 375,597 |  |  | $ | 1,841 |  |  | $ | 3,479,797 |
|  | December 31, 2011 |
|  | Pass |  |  | Watch List |  |  | Special Mention |  |  | Substandard |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
Commercial & industrial |  | $ | 323,653 |  |  | $ | 94,059 |  |  | $ | 55,140 |  |  | $ | 21,447 |  |  | $ | — |  |  | $ | 494,299 |
Construction—speculative |  |  | 2,654 |  |  |  | — |  |  |  | 25,610 |  |  |  | 35,191 |  |  |  | — |  |  |  | 63,455 |
Construction—non-speculative |  |  | 1,314 |  |  |  | 137 |  |  |  | 687 |  |  |  | 10,553 |  |  |  | — |  |  |  | 12,691 |
Commercial real estate—owner occupied |  |  | 370,801 |  |  |  | 176,958 |  |  |  | 74,315 |  |  |  | 77,884 |  |  |  | — |  |  |  | 699,958 |
Commercial real estate—non-owner occupied |  |  | 836,465 |  |  |  | 193,751 |  |  |  | 108,798 |  |  |  | 108,482 |  |  |  | 838 |  |  |  | 1,248,334 |
Residential real estate (SFR 1-4) |  |  | 143,841 |  |  |  | 8,336 |  |  |  | 6,807 |  |  |  | 17,458 |  |  |  | — |  |  |  | 176,442 |
Dairy and livestock |  |  | 73,074 |  |  |  | 106,024 |  |  |  | 91,416 |  |  |  | 72,619 |  |  |  | 217 |  |  |  | 343,350 |
Agribusiness |  |  | 2,800 |  |  |  | 860 |  |  |  | 667 |  |  |  | — |  |  |  | — |  |  |  | 4,327 |
Municipal lease finance receivables |  |  | 70,781 |  |  |  | 23,106 |  |  |  | 8,927 |  |  |  | 10,646 |  |  |  | — |  |  |  | 113,460 |
Consumer |  |  | 42,295 |  |  |  | 3,474 |  |  |  | 3,906 |  |  |  | 1,740 |  |  |  | 21 |  |  |  | 51,436 |
Auto and equipment leases |  |  | 11,742 |  |  |  | 39 |  |  |  | 3,506 |  |  |  | 522 |  |  |  | 1,561 |  |  |  | 17,370 |
Total non-covered loans |  |  | 1,879,420 |  |  |  | 606,744 |  |  |  | 379,779 |  |  |  | 356,542 |  |  |  | 2,637 |  |  |  | 3,225,122 |
Covered loans |  |  | 48,440 |  |  |  | 73,718 |  |  |  | 20,728 |  |  |  | 164,198 |  |  |  | 565 |  |  |  | 307,649 |
Total loans excluding held-for-sale |  |  | 1,927,860 |  |  |  | 680,462 |  |  |  | 400,507 |  |  |  | 520,740 |  |  |  | 3,202 |  |  |  | 3,532,771 |
Non-covered loans held-for-sale |  |  | 348 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 348 |
Covered loans held-for-sale |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,664 |  |  |  | — |  |  |  | 5,664 |
Total gross loans |  | $ | 1,928,208 |  |  | $ | 680,462 |  |  | $ | 400,507 |  |  | $ | 526,404 |  |  | $ | 3,202 |  |  | $ | 3,538,783 |
Summary of Allowance for Credit Losses and Recorded Investment in Held-For-Investment Loans by Portfolio Segment | The following table presents the balance and activity in the allowance for credit losses; and the recorded investment in held-for-investment loans by portfolio segment and based upon our impairment method as of December 31, 2012 and 2011: Allowance for Credit Losses and Recorded Investment in Financing Receivables
|  | As of and For the Year Ended December 31, 2012 |
|  | Commercial and Industrial |  |  | Construction |  |  | Real Estate |  |  | Municipal Lease Finance Receivables |  |  | Dairy and Livestock/ Agribusiness |  |  | Consumer, Auto & Other |  |  | Covered Loans (1) |  |  | Unallocated |  |  | Total |
|  | (Dollars in thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2012 |  | $ | 10,654 |  |  | $ | 4,947 |  |  | $ | 51,873 |  |  | $ | 2,403 |  |  | $ | 17,230 |  |  | $ | 1,638 |  |  | $ | — |  |  | $ | 5,219 |  |  | $ | 93,964 |
Charge-offs |  |  | (1,259 | ) |  |  | — |  |  |  | (2,515 | ) |  |  | — |  |  |  | (1,150 | ) |  |  | (283 | ) |  |  | (81 | ) |  |  | — |  |  |  | (5,288 | )
Recoveries |  |  | 1,280 |  |  |  | 1,139 |  |  |  | 406 |  |  |  | — |  |  |  | 166 |  |  |  | 36 |  |  |  | 738 |  |  |  | — |  |  |  | 3,765 |
Provision/reallocation of ALLL |  |  | 977 |  |  |  | (3,795 | ) |  |  | 1,141 |  |  |  | (815 | ) |  |  | 2,450 |  |  |  | (221 | ) |  |  | (657 | ) |  |  | 920 |  |  |  | — |
Ending balance, December 31, 2012 |  | $ | 11,652 |  |  | $ | 2,291 |  |  | $ | 50,905 |  |  | $ | 1,588 |  |  | $ | 18,696 |  |  | $ | 1,170 |  |  | $ | — |  |  | $ | 6,139 |  |  | $ | 92,441 |
Individually evaluated for impairment |  | $ | 289 |  |  | $ | — |  |  | $ | 436 |  |  | $ | — |  |  | $ | 1,596 |  |  | $ | 11 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,332 |
Collectively evaluated for impairment |  | $ | 11,363 |  |  | $ | 2,291 |  |  | $ | 50,469 |  |  | $ | 1,588 |  |  | $ | 17,100 |  |  | $ | 1,159 |  |  | $ | — |  |  | $ | 6,139 |  |  | $ | 90,109 |
Loans and financing receivables (2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, December 31, 2012 |  | $ | 547,422 |  |  | $ | 59,721 |  |  | $ | 2,149,395 |  |  | $ | 105,767 |  |  | $ | 336,660 |  |  | $ | 60,273 |  |  | $ | 195,215 |  |  | $ | — |  |  | $ | 3,454,453 |
Individually evaluated for impairment |  | $ | 3,689 |  |  | $ | 30,533 |  |  | $ | 56,981 |  |  | $ | 263 |  |  | $ | 16,709 |  |  | $ | 215 |  |  | $ | — |  |  | $ | — |  |  | $ | 108,390 |
Collectively evaluated for impairment |  | $ | 543,733 |  |  | $ | 29,188 |  |  | $ | 2,092,414 |  |  | $ | 105,504 |  |  | $ | 319,951 |  |  | $ | 60,058 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,150,848 |
Acquired loans with deteriorated credit quality, net of discount |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 195,215 |  |  | $ | — |  |  | $ | 195,215 |
|  | As of and For the Year Ended December 31, 2011 |
|  | Commercial and Industrial |  |  | Construction |  |  | Real Estate |  |  | Municipal Lease Finance Receivables |  |  | Dairy and Livestock/ Agribusiness |  |  | Consumer, Auto & Other |  |  | Covered Loans (1) |  |  | Unallocated |  |  | Total |
|  | (Dollars in thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2011 |  | $ | 11,472 |  |  | $ | 10,188 |  |  | $ | 43,529 |  |  | $ | 2,172 |  |  | $ | 36,061 |  |  | $ | 1,034 |  |  | $ | — |  |  | $ | 803 |  |  | $ | 105,259 |
Charge-offs |  |  | (1,980 | ) |  |  | (7,976 | ) |  |  | (5,870 | ) |  |  | — |  |  |  | (3,291 | ) |  |  | (511 | ) |  |  | (893 | ) |  |  | — |  |  |  | (20,521 | )
Recoveries |  |  | 302 |  |  |  | 757 |  |  |  | 748 |  |  |  | — |  |  |  | 151 |  |  |  | 200 |  |  |  | — |  |  |  | — |  |  |  | 2,158 |
Provision/reallocation of ALLL |  |  | 860 |  |  |  | 1,978 |  |  |  | 13,466 |  |  |  | 231 |  |  |  | (15,643 | ) |  |  | 867 |  |  |  | 893 |  |  |  | 4,416 |  |  |  | 7,068 |
Ending balance, December 31, 2011 |  | $ | 10,654 |  |  | $ | 4,947 |  |  | $ | 51,873 |  |  | $ | 2,403 |  |  | $ | 17,278 |  |  | $ | 1,590 |  |  | $ | — |  |  | $ | 5,219 |  |  | $ | 93,964 |
Individually evaluated for impairment |  | $ | 165 |  |  | $ | — |  |  | $ | 1,339 |  |  | $ | — |  |  | $ | 1,371 |  |  | $ | 93 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,968 |
Collectively evaluated for impairment |  | $ | 10,489 |  |  | $ | 4,947 |  |  | $ | 50,534 |  |  | $ | 2,403 |  |  | $ | 15,907 |  |  | $ | 1,497 |  |  | $ | — |  |  | $ | 5,219 |  |  | $ | 90,996 |
Loans and financing receivables (2): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, December 31, 2011 |  | $ | 494,299 |  |  | $ | 76,146 |  |  | $ | 2,124,734 |  |  | $ | 113,460 |  |  | $ | 347,677 |  |  | $ | 68,806 |  |  | $ | 256,869 |  |  | $ | — |  |  | $ | 3,481,991 |
Individually evaluated for impairment |  | $ | 4,954 |  |  | $ | 33,402 |  |  | $ | 52,141 |  |  | $ | — |  |  | $ | 10,251 |  |  | $ | 478 |  |  | $ | — |  |  | $ | — |  |  | $ | 101,226 |
Collectively evaluated for impairment |  | $ | 489,345 |  |  | $ | 42,744 |  |  | $ | 2,072,593 |  |  | $ | 113,460 |  |  | $ | 337,426 |  |  | $ | 68,328 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,123,896 |
Acquired loans with deteriorated credit quality, net of discount |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 256,869 |  |  | $ | — |  |  | $ | 256,869 |
(1) | Represents the allowance and related loan balance in accordance with ASC 310-30.
(2) | Net of purchase accounting discount.
Schedule of Recorded Investment in Non-Covered Past Due and Nonaccrual Loans and Loans Past Due by Class of Loans | The following table presents the recorded investment in non-covered past due and nonaccrual loans and loans past due by class of loans as of December 31, 2012 and 2011: Non-Covered Past Due and Nonaccrual Loans
|  | December 31, 2012 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due and Accruing |  |  | Total Past Due and Accruing |  |  | Nonaccrual |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 233 |  |  | $ | 457 |  |  | $ | — |  |  | $ | 690 |  |  | $ | 3,136 |  |  | $ | 543,596 |  |  | $ | 547,422 |
Construction—speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,663 |  |  |  | 27,231 |  |  |  | 37,894 |
Construction—non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21,827 |  |  |  | 21,827 |
Commercial real estate—owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,415 |  |  |  | 698,552 |  |  |  | 703,967 |
Commercial real estate—non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,624 |  |  |  | 1,270,516 |  |  |  | 1,286,140 |
Residential real estate (SFR 1-4) |  |  | 107 |  |  |  | — |  |  |  | — |  |  |  | 107 |  |  |  | 13,102 |  |  |  | 146,079 |  |  |  | 159,288 |
Dairy and livestock |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,842 |  |  |  | 317,737 |  |  |  | 327,579 |
Agribusiness |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,081 |  |  |  | 9,081 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 105,767 |  |  |  | 105,767 |
Consumer |  |  | 74 |  |  |  | 8 |  |  |  | — |  |  |  | 82 |  |  |  | 215 |  |  |  | 47,260 |  |  |  | 47,557 |
Auto and equipment leases |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 12,708 |  |  |  | 12,716 |
Total non-covered loans excluding held-for-sale |  |  | 422 |  |  |  | 465 |  |  |  | — |  |  |  | 887 |  |  |  | 57,997 |  |  |  | 3,200,354 |  |  |  | 3,259,238 |
Loans held-for-sale |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 422 |  |  | $ | 465 |  |  | $ | — |  |  | $ | 887 |  |  | $ | 57,997 |  |  | $ | 3,200,354 |  |  | $ | 3,259,238 |
|  | December 31, 2011 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due and Accruing |  |  | Total Past Due and Accruing |  |  | Nonaccrual |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 2,872 |  |  | $ | 150 |  |  | $ | — |  |  | $ | 3,022 |  |  | $ | 3,432 |  |  | $ | 487,845 |  |  | $ | 494,299 |
Construction—speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,317 |  |  |  | 42,203 |  |  |  | 55,520 |
Construction—non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20,626 |  |  |  | 20,626 |
Commercial real estate—owner occupied |  |  | 133 |  |  |  | 280 |  |  |  | — |  |  |  | 413 |  |  |  | 9,474 |  |  |  | 690,071 |  |  |  | 699,958 |
Commercial real estate—non-owner occupied |  |  | 374 |  |  |  | — |  |  |  | — |  |  |  | 374 |  |  |  | 16,518 |  |  |  | 1,231,442 |  |  |  | 1,248,334 |
Residential real estate (SFR 1-4) |  |  | 1,568 |  |  |  | — |  |  |  | — |  |  |  | 1,568 |  |  |  | 16,970 |  |  |  | 157,904 |  |  |  | 176,442 |
Dairy and livestock |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,475 |  |  |  | 340,875 |  |  |  | 343,350 |
Agribusiness |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,327 |  |  |  | 4,327 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 113,460 |  |  |  | 113,460 |
Consumer |  |  | 59 |  |  |  | — |  |  |  | — |  |  |  | 59 |  |  |  | 382 |  |  |  | 50,995 |  |  |  | 51,436 |
Auto and equipment leases |  |  | 14 |  |  |  | 6 |  |  |  | — |  |  |  | 20 |  |  |  | 104 |  |  |  | 17,246 |  |  |  | 17,370 |
Total non-covered loans excluding held-for-sale |  |  | 5,020 |  |  |  | 436 |  |  |  | — |  |  |  | 5,456 |  |  |  | 62,672 |  |  |  | 3,156,994 |  |  |  | 3,225,122 |
Loans held-for-sale |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 348 |  |  |  | 348 |
Total |  | $ | 5,020 |  |  | $ | 436 |  |  | $ | — |  |  | $ | 5,456 |  |  | $ | 62,672 |  |  | $ | 3,157,342 |  |  | $ | 3,225,470 |
Schedule of Held-for-Investment and Held-for-Sale Loans, Individually Evaluated for Impairment by Class of Loans | The following table presents held-for-investment and held-for-sale loans, individually evaluated for impairment by class of loans, as of December 31, 2012 and 2011: Non-Covered Impaired Loans
|  | December 31, 2012 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (Dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,385 |  |  | $ | 4,215 |  |  | $ | — |  |  | $ | 3,766 |  |  | $ | 43 |
Construction—speculative |  |  | 21,314 |  |  |  | 21,607 |  |  |  | — |  |  |  | 21,650 |  |  |  | 311 |
Construction—non-speculative |  |  | 9,219 |  |  |  | 9,219 |  |  |  | — |  |  |  | 9,219 |  |  |  | 574 |
Commercial real estate—owner occupied |  |  | 13,478 |  |  |  | 14,569 |  |  |  | — |  |  |  | 14,459 |  |  |  | 397 |
Commercial real estate—non-owner occupied |  |  | 28,639 |  |  |  | 38,633 |  |  |  | — |  |  |  | 29,801 |  |  |  | 670 |
Residential real estate (SFR 1-4) |  |  | 11,079 |  |  |  | 14,342 |  |  |  | — |  |  |  | 11,292 |  |  |  | 54 |
Dairy and livestock |  |  | 12,406 |  |  |  | 13,756 |  |  |  | — |  |  |  | 11,834 |  |  |  | 173 |
Municipal lease finance receivables |  |  | 263 |  |  |  | 263 |  |  |  | — |  |  |  | 443 |  |  |  | 5 |
Consumer |  |  | 142 |  |  |  | 196 |  |  |  | — |  |  |  | 145 |  |  |  | — |
Auto and equipment leases |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 99,925 |  |  |  | 116,800 |  |  |  | — |  |  |  | 102,609 |  |  |  | 2,227 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 304 |  |  |  | 327 |  |  |  | 289 |  |  |  | 387 |  |  |  | — |
Construction—speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction—non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate—owner occupied |  |  | 19 |  |  |  | 19 |  |  |  | 2 |  |  |  | 28 |  |  |  | — |
Commercial real estate—non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate (SFR 1-4) |  |  | 3,766 |  |  |  | 4,071 |  |  |  | 434 |  |  |  | 3,363 |  |  |  | — |
Dairy and livestock |  |  | 4,303 |  |  |  | 4,340 |  |  |  | 1,596 |  |  |  | 4,017 |  |  |  | 73 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 73 |  |  |  | 74 |  |  |  | 11 |  |  |  | 75 |  |  |  | — |
Auto and equipment leases |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 8,465 |  |  |  | 8,831 |  |  |  | 2,332 |  |  |  | 7,870 |  |  |  | 73 |
Total non-covered impaired loans |  | $ | 108,390 |  |  | $ | 125,631 |  |  | $ | 2,332 |  |  | $ | 110,479 |  |  | $ | 2,300 |
|  | December 31, 2011 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (Dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,566 |  |  | $ | 4,630 |  |  | $ | — |  |  | $ | 4,649 |  |  | $ | 93 |
Held-for-sale construction - speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction—speculative |  |  | 13,317 |  |  |  | 15,718 |  |  |  | — |  |  |  | 15,434 |  |  |  | — |
Construction—non-speculative |  |  | 20,085 |  |  |  | 20,085 |  |  |  | — |  |  |  | 16,437 |  |  |  | 1,123 |
Commercial real estate—owner occupied |  |  | 13,567 |  |  |  | 14,013 |  |  |  | — |  |  |  | 11,941 |  |  |  | 449 |
Commercial real estate—non-owner occupied |  |  | 16,435 |  |  |  | 23,656 |  |  |  | — |  |  |  | 21,096 |  |  |  | 67 |
Residential real estate (SFR 1-4) |  |  | 14,069 |  |  |  | 17,411 |  |  |  | — |  |  |  | 15,120 |  |  |  | 47 |
Dairy and livestock |  |  | 8,879 |  |  |  | 10,358 |  |  |  | — |  |  |  | 10,535 |  |  |  | 446 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 104 |  |  |  | 150 |  |  |  | — |  |  |  | 127 |  |  |  | — |
Auto and equipment leases |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 90,022 |  |  |  | 106,021 |  |  |  | — |  |  |  | 95,339 |  |  |  | 2,225 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,388 |  |  |  | 1,410 |  |  |  | 165 |  |  |  | 1,554 |  |  |  | — |
Construction—speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction—non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate—owner occupied |  |  | 3,900 |  |  |  | 3,900 |  |  |  | 928 |  |  |  | 3,900 |  |  |  | — |
Commercial real estate—non-owner occupied |  |  | 83 |  |  |  | 85 |  |  |  | 5 |  |  |  | 86 |  |  |  | — |
Residential real estate (SFR 1-4) |  |  | 4,087 |  |  |  | 4,369 |  |  |  | 406 |  |  |  | 3,967 |  |  |  | — |
Dairy and livestock |  |  | 1,372 |  |  |  | 3,324 |  |  |  | 1,372 |  |  |  | 2,402 |  |  |  | — |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 270 |  |  |  | 278 |  |  |  | 77 |  |  |  | 276 |  |  |  | — |
Auto and equipment leases |  |  | 104 |  |  |  | 110 |  |  |  | 15 |  |  |  | 141 |  |  |  | — |
Total |  |  | 11,204 |  |  |  | 13,476 |  |  |  | 2,968 |  |  |  | 12,326 |  |  |  | — |
Total non-covered impaired loans |  | $ | 101,226 |  |  | $ | 119,497 |  |  | $ | 2,968 |  |  | $ | 107,665 |  |  | $ | 2,225 |
Loans Modified as Troubled Debt Restructurings | The following are the loans modified as troubled debt restructurings for the years ended December 31, 2012 and 2011: Modifications
|  | For the Year Ended December 31, 2012 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at December 31, 2012 |
|  | (Dollars in thousands) |
Commercial and industrial |  |  | 9 |  |  | $ | 2,381 |  |  | $ | 2,381 |  |  | $ | 1,883 |
Construction—speculative |  |  | 1 |  |  |  | 10,966 |  |  |  | 10,966 |  |  |  | 10,663 |
Construction—non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate—owner occupied |  |  | 6 |  |  |  | 4,225 |  |  |  | 4,225 |  |  |  | 3,903 |
Commercial real estate—non-owner occupied |  |  | 5 |  |  |  | 9,284 |  |  |  | 9,284 |  |  |  | 8,662 |
Residential real estate (SFR 1-4) |  |  | 1 |  |  |  | 399 |  |  |  | 399 |  |  |  | 398 |
Dairy and livestock |  |  | 7 |  |  |  | 9,447 |  |  |  | 9,447 |  |  |  | 9,184 |
Municipal lease finance receivables |  |  | 2 |  |  |  | 519 |  |  |  | 519 |  |  |  | 263 |
Total non-covered loans |  |  | 31 |  |  |  | 37,221 |  |  |  | 37,221 |  |  |  | 34,956 |
Covered loans |  |  | 1 |  |  |  | 905 |  |  |  | 905 |  |  |  | 891 |
Total gross loans |  |  | 32 |  |  | $ | 38,126 |  |  | $ | 38,126 |  |  | $ | 35,847 |
|  | For the Year Ended December 31, 2011 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at December 31, 2011 |
|  | (Dollars in thousands) |
Commercial and industrial |  |  | 5 |  |  | $ | 1,673 |  |  | $ | 1,372 |  |  | $ | 1,224 |
Construction—speculative |  |  | 2 |  |  |  | 16,886 |  |  |  | 16,886 |  |  |  | 15,394 |
Construction—non-speculative |  |  | 1 |  |  |  | 9,219 |  |  |  | 9,219 |  |  |  | 9,219 |
Commercial real estate—owner occupied |  |  | 3 |  |  |  | 3,195 |  |  |  | 3,195 |  |  |  | 3,067 |
Commercial real estate—non-owner occupied |  |  | 3 |  |  |  | 11,707 |  |  |  | 11,707 |  |  |  | 10,236 |
Residential real estate (SFR 1-4) |  |  | 6 |  |  |  | 2,162 |  |  |  | 2,161 |  |  |  | 2,049 |
Dairy and livestock |  |  | 5 |  |  |  | 11,750 |  |  |  | 11,750 |  |  |  | 8,662 |
Total non-covered loans |  |  | 25 |  |  |  | 56,592 |  |  |  | 56,290 |  |  |  | 49,851 |
Covered loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total gross loans |  |  | 25 |  |  | $ | 56,592 |  |  | $ | 56,290 |  |  | $ | 49,851 |

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