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Loans and Lease Finance Receivables and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2015
Receivables [Abstract] |
Summary of Components of Loan and Lease Finance Receivables, Excluding PCI Loans | The following table provides a summary of the total of loan and lease finance receivables, excluding PCI loans, by type.
|  | March 31, 2015 |  |  | December 31, 2014 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 403,600 |  |  | $ | 390,011 |
SBA |  |  | 126,385 |  |  |  | 134,265 |
Real estate: |  |  |  |  |  |  |  |
Commercial real estate |  |  | 2,499,183 |  |  |  | 2,487,803 |
Construction |  |  | 55,346 |  |  |  | 55,173 |
SFR mortgage |  |  | 205,132 |  |  |  | 205,124 |
Dairy & livestock and agribusiness |  |  | 173,441 |  |  |  | 279,173 |
Municipal lease finance receivables |  |  | 76,220 |  |  |  | 77,834 |
Consumer and other loans |  |  | 70,749 |  |  |  | 69,884 |
Gross loans, excluding PCI loans |  |  | 3,610,056 |  |  |  | 3,699,267 |
Less: Deferred loan fees, net |  |  | (8,451 | ) |  |  | (8,567 | )
Gross loans, excluding PCI loans, net of deferred loan fees |  |  | 3,601,605 |  |  |  | 3,690,700 |
Less: Allowance for loan losses |  |  | (60,709 | ) |  |  | (59,825 | )
Net loans, excluding PCI loans |  |  | 3,540,896 |  |  |  | 3,630,875 |
PCI Loans |  |  | 121,030 |  |  |  | 133,496 |
Discount on PCI loans |  |  | (6,612 | ) |  |  | (7,129 | )
PCI loans, net |  |  | 114,418 |  |  |  | 126,367 |
Total loans and lease finance receivables |  | $ | 3,655,314 |  |  | $ | 3,757,242 |
Summary of Activity Related to Loans Held-for-Sale | The following table provides a summary of the activity related to loans held-for-sale for the periods presented.
|  | For the Three Months Ended March 31, |
|  | 2015 |  |  | 2014 |
|  | (Dollars in thousands) |
Balance, beginning of period |  | $ | — |  |  | $ | 3,667 |
Originations of mortgage loans |  |  | — |  |  |  | — |
Sales of mortgage loans |  |  | — |  |  |  | — |
Transfer of mortgage loans to held-for-investment |  |  | — |  |  |  | — |
Sales of other loans |  |  | — |  |  |  | (3,667 | )
Transfers of other loans to held-for-sale |  |  | — |  |  |  | — |
Write-down of loans held-for-sale |  |  | — |  |  |  | — |
Balance, end of period |  | $ | — |  |  | $ | — |
Summary of Loan, Excluding PCI Loans by Internal Risk Ratings | The following tables summarize each class of loans, excluding PCI Loans, according to our internal risk ratings for the periods presented.
|  | March 31, 2015 |
|  | Pass |  |  | Watch List |  |  | Special Mention |  |  | Substandard |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 252,537 |  |  | $ | 96,106 |  |  | $ | 42,377 |  |  | $ | 12,350 |  |  | $ | 230 |  |  | $ | 403,600 |
SBA |  |  | 80,047 |  |  |  | 22,423 |  |  |  | 14,362 |  |  |  | 8,070 |  |  |  | 1,483 |  |  |  | 126,385 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 551,211 |  |  |  | 139,446 |  |  |  | 49,994 |  |  |  | 17,159 |  |  |  | — |  |  |  | 757,810 |
Non-owner occupied |  |  | 1,390,414 |  |  |  | 258,838 |  |  |  | 37,420 |  |  |  | 54,701 |  |  |  | — |  |  |  | 1,741,373 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 27,394 |  |  |  | 3,101 |  |  |  | — |  |  |  | 7,651 |  |  |  | — |  |  |  | 38,146 |
Non-speculative |  |  | 16,579 |  |  |  | 621 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,200 |
SFR mortgage |  |  | 176,298 |  |  |  | 18,882 |  |  |  | 4,285 |  |  |  | 5,667 |  |  |  | — |  |  |  | 205,132 |
Dairy & livestock and agribusiness |  |  | 103,616 |  |  |  | 67,149 |  |  |  | 2,277 |  |  |  | 296 |  |  |  | 103 |  |  |  | 173,441 |
Municipal lease finance receivables |  |  | 38,562 |  |  |  | 32,403 |  |  |  | 5,255 |  |  |  | — |  |  |  | — |  |  |  | 76,220 |
Consumer and other loans |  |  | 54,900 |  |  |  | 10,487 |  |  |  | 2,670 |  |  |  | 2,595 |  |  |  | 97 |  |  |  | 70,749 |
Total gross loans, excluding PCI loans |  | $ | 2,691,558 |  |  | $ | 649,456 |  |  | $ | 158,640 |  |  | $ | 108,489 |  |  | $ | 1,913 |  |  | $ | 3,610,056 |
|  | December 31, 2014 |
|  | Pass |  |  | Watch List |  |  | Special Mention |  |  | Substandard |  |  | Doubtful & Loss |  |  | Total |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 234,029 |  |  | $ | 105,904 |  |  | $ | 33,795 |  |  | $ | 16,031 |  |  | $ | 252 |  |  | $ | 390,011 |
SBA |  |  | 84,769 |  |  |  | 24,124 |  |  |  | 15,858 |  |  |  | 7,920 |  |  |  | 1,594 |  |  |  | 134,265 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 552,072 |  |  |  | 159,908 |  |  |  | 46,248 |  |  |  | 32,139 |  |  |  | — |  |  |  | 790,367 |
Non-owner occupied |  |  | 1,347,006 |  |  |  | 241,809 |  |  |  | 56,353 |  |  |  | 52,268 |  |  |  | — |  |  |  | 1,697,436 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 28,310 |  |  |  | 613 |  |  |  | — |  |  |  | 7,651 |  |  |  | — |  |  |  | 36,574 |
Non-speculative |  |  | 18,071 |  |  |  | 528 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 18,599 |
SFR mortgage |  |  | 174,311 |  |  |  | 20,218 |  |  |  | 2,442 |  |  |  | 8,153 |  |  |  | — |  |  |  | 205,124 |
Dairy & livestock and agribusiness |  |  | 174,783 |  |  |  | 85,660 |  |  |  | 8,612 |  |  |  | 10,015 |  |  |  | 103 |  |  |  | 279,173 |
Municipal lease finance receivables |  |  | 35,463 |  |  |  | 22,349 |  |  |  | 20,022 |  |  |  | — |  |  |  | — |  |  |  | 77,834 |
Consumer and other loans |  |  | 62,904 |  |  |  | 2,233 |  |  |  | 1,789 |  |  |  | 2,763 |  |  |  | 195 |  |  |  | 69,884 |
Total gross loans, excluding PCI loans |  | $ | 2,711,718 |  |  | $ | 663,346 |  |  | $ | 185,119 |  |  | $ | 136,940 |  |  | $ | 2,144 |  |  | $ | 3,699,267 |
Schedule of Balance and Activity Related to Allowance for Loan Losses for Held-for-Investment Loans, Excluding PCI Loans by Portfolio Segment | The following tables present the balance and activity related to the allowance for loan losses for held-for-investment loans, excluding PCI loans, by portfolio segment for the periods presented.
|  | For the Three Months Ended March 31, 2015 |
|  | Ending Balance December 31, 2014 |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for Loan Losses |  |  | Ending Balance March 31, 2015 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 7,074 |  |  | $ | (134 | ) |  | $ | 35 |  |  | $ | 527 |  |  | $ | 7,502 |
SBA |  |  | 2,557 |  |  |  | (33 | ) |  |  | 34 |  |  |  | (362 | ) |  |  | 2,196 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 33,373 |  |  |  | — |  |  |  | 857 |  |  |  | 618 |  |  |  | 34,848 |
Construction |  |  | 988 |  |  |  | — |  |  |  | 9 |  |  |  | 46 |  |  |  | 1,043 |
SFR mortgage |  |  | 2,344 |  |  |  | — |  |  |  | 185 |  |  |  | (104 | ) |  |  | 2,425 |
Dairy & livestock and agribusiness |  |  | 5,479 |  |  |  | — |  |  |  | 99 |  |  |  | (1,832 | ) |  |  | 3,746 |
Municipal lease finance receivables |  |  | 1,412 |  |  |  | — |  |  |  | — |  |  |  | (382 | ) |  |  | 1,030 |
Consumer and other loans |  |  | 1,262 |  |  |  | (177 | ) |  |  | 9 |  |  |  | (269 | ) |  |  | 825 |
Unallocated |  |  | 5,336 |  |  |  | — |  |  |  | — |  |  |  | 1,758 |  |  |  | 7,094 |
Total allowance for loan losses |  | $ | 59,825 |  |  | $ | (344 | ) |  | $ | 1,228 |  |  | $ | — |  |  | $ | 60,709 |
|  | For the Three Months Ended March 31, 2014 |
|  | Ending Balance December 31, 2013 |  |  | Charge-offs |  |  | Recoveries |  |  | (Recapture of) Provision for Loan Losses |  |  | Ending Balance March 31, 2014 |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 8,502 |  |  | $ | (454 | ) |  | $ | 392 |  |  | $ | (2,072 | ) |  | $ | 6,368 |
SBA |  |  | 2,332 |  |  |  | — |  |  |  | 63 |  |  |  | 73 |  |  |  | 2,468 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 39,402 |  |  |  | — |  |  |  | 68 |  |  |  | (70 | ) |  |  | 39,400 |
Construction |  |  | 1,305 |  |  |  | — |  |  |  | 778 |  |  |  | (1,625 | ) |  |  | 458 |
SFR mortgage |  |  | 2,718 |  |  |  | — |  |  |  | — |  |  |  | (436 | ) |  |  | 2,282 |
Dairy & livestock and agribusiness |  |  | 11,728 |  |  |  | — |  |  |  | 144 |  |  |  | (2,605 | ) |  |  | 9,267 |
Municipal lease finance receivables |  |  | 2,335 |  |  |  | — |  |  |  | — |  |  |  | (816 | ) |  |  | 1,519 |
Consumer and other loans |  |  | 960 |  |  |  | (13 | ) |  |  | 12 |  |  |  | (9 | ) |  |  | 950 |
Unallocated |  |  | 5,953 |  |  |  | — |  |  |  | — |  |  |  | 60 |  |  |  | 6,013 |
Total allowance for loan losses |  | $ | 75,235 |  |  | $ | (467 | ) |  | $ | 1,457 |  |  | $ | (7,500 | ) |  | $ | 68,725 |
Schedule of Recorded Investment in Loans Held-for-Investment, Excluding PCI Loans, and Related Allowance for Loan Losses by Portfolio Segment | The following tables present the recorded investment in loans held-for-investment, excluding PCI loans, and the related allowance for loan losses by portfolio segment, based on the Company’s methodology for determining the allowance for loan losses for the periods presented.
|  | March 31, 2015 |
|  | Recorded Investment in Loans |  |  | Allowance for Loan Losses |
|  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 1,611 |  |  | $ | 401,989 |  |  | $ | 592 |  |  | $ | 6,910 |
SBA |  |  | 3,158 |  |  |  | 123,227 |  |  |  | 42 |  |  |  | 2,154 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 41,886 |  |  |  | 2,457,297 |  |  |  | 154 |  |  |  | 34,694 |
Construction |  |  | 7,651 |  |  |  | 47,695 |  |  |  | — |  |  |  | 1,043 |
SFR mortgage |  |  | 5,913 |  |  |  | 199,219 |  |  |  | — |  |  |  | 2,425 |
Dairy & livestock and agribusiness |  |  | 7,277 |  |  |  | 166,164 |  |  |  | — |  |  |  | 3,746 |
Municipal lease finance receivables |  |  | — |  |  |  | 76,220 |  |  |  | — |  |  |  | 1,030 |
Consumer and other loans |  |  | 881 |  |  |  | 69,868 |  |  |  | 6 |  |  |  | 819 |
Unallocated |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,094 |
Total |  | $ | 68,377 |  |  | $ | 3,541,679 |  |  | $ | 794 |  |  | $ | 59,915 |
|  | March 31, 2014 |
|  | Recorded Investment in Loans |  |  | Allowance for Loan Losses |
|  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 4,291 |  |  | $ | 354,714 |  |  | $ | 814 |  |  | $ | 5,554 |
SBA |  |  | 1,649 |  |  |  | 129,999 |  |  |  | 68 |  |  |  | 2,400 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 33,907 |  |  |  | 2,160,144 |  |  |  | 320 |  |  |  | 39,080 |
Construction |  |  | 26,688 |  |  |  | 16,218 |  |  |  | — |  |  |  | 458 |
SFR mortgage |  |  | 11,692 |  |  |  | 178,207 |  |  |  | 47 |  |  |  | 2,235 |
Dairy & livestock and agribusiness |  |  | 27,972 |  |  |  | 184,985 |  |  |  | 2,656 |  |  |  | 6,611 |
Municipal lease finance receivables |  |  | — |  |  |  | 81,041 |  |  |  | — |  |  |  | 1,519 |
Consumer and other loans |  |  | 397 |  |  |  | 54,418 |  |  |  | 96 |  |  |  | 854 |
Unallocated |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,013 |
Total |  | $ | 106,596 |  |  | $ | 3,159,726 |  |  | $ | 4,001 |  |  | $ | 64,724 |
Schedule of Recorded Investment in, and Aging of, Past Due and Nonaccrual Loans, Excluding PCI Loans by Type of Loans | The following tables present the recorded investment in the aging of past due and nonaccrual loans, excluding PCI loans, by type of loans for the periods presented.
|  | March 31, 2015 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Total Past Due and Accruing |  |  | Nonaccrual (1) |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 112 |  |  | $ | — |  |  | $ | 112 |  |  | $ | 952 |  |  | $ | 402,536 |  |  |  | 403,600 |
SBA |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,463 |  |  |  | 123,922 |  |  |  | 126,385 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 35 |  |  |  | — |  |  |  | 35 |  |  |  | 2,418 |  |  |  | 755,357 |  |  |  | 757,810 |
Non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 14,369 |  |  |  | 1,727,004 |  |  |  | 1,741,373 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 38,146 |  |  |  | 38,146 |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 17,200 |  |  |  | 17,200 |
SFR mortgage |  |  | 1,613 |  |  |  | — |  |  |  | 1,613 |  |  |  | 2,233 |  |  |  | 201,286 |  |  |  | 205,132 |
Dairy & livestock and agribusiness |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 103 |  |  |  | 173,338 |  |  |  | 173,441 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 76,220 |  |  |  | 76,220 |
Consumer and other loans |  |  | 119 |  |  |  | 20 |  |  |  | 139 |  |  |  | 463 |  |  |  | 70,147 |  |  |  | 70,749 |
Total gross loans, excluding PCI Loans |  | $ | 1,879 |  |  | $ | 20 |  |  | $ | 1,899 |  |  | $ | 23,001 |  |  | $ | 3,585,156 |  |  | $ | 3,610,056 |
(1) | As of March 31, 2015, $20.3 million of nonaccruing loans were current, $553,000 were 30-59 days past due, $86,000 were 60-89 days past due and $2.0 million were 90+ days past due.
|  | December 31, 2014 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Total Past Due and Accruing |  |  | Nonaccrual (1) |  |  | Current |  |  | Total Loans and Financing Receivables |
|  | (Dollars in thousands) |
Commercial and industrial |  | $ | 943 |  |  | $ | 35 |  |  | $ | 978 |  |  | $ | 2,308 |  |  | $ | 386,725 |  |  | $ | 390,011 |
SBA |  |  | 75 |  |  |  | — |  |  |  | 75 |  |  |  | 2,481 |  |  |  | 131,709 |  |  |  | 134,265 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 36 |  |  |  | 86 |  |  |  | 122 |  |  |  | 4,072 |  |  |  | 786,173 |  |  |  | 790,367 |
Non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 19,246 |  |  |  | 1,678,190 |  |  |  | 1,697,436 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 36,574 |  |  |  | 36,574 |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 18,599 |  |  |  | 18,599 |
SFR mortgage |  |  | 425 |  |  |  | — |  |  |  | 425 |  |  |  | 3,240 |  |  |  | 201,459 |  |  |  | 205,124 |
Dairy & livestock and agribusiness |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 103 |  |  |  | 279,070 |  |  |  | 279,173 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 77,834 |  |  |  | 77,834 |
Consumer and other loans |  |  | 64 |  |  |  | 17 |  |  |  | 81 |  |  |  | 736 |  |  |  | 69,067 |  |  |  | 69,884 |
Total gross loans, excluding PCI Loans |  | $ | 1,543 |  |  | $ | 138 |  |  | $ | 1,681 |  |  | $ | 32,186 |  |  | $ | 3,665,400 |  |  | $ | 3,699,267 |
(1) | As of December 31, 2014, $20.1 million of nonaccruing loans were current, $3.7 million were 30-59 days past due, $8.5 million were 90+ days.
Schedule of Held-for-Investment Loans, Excluding PCI Loans, Individually Evaluated for Impairment by Class of Loans | The following tables present information for held-for-investment loans, excluding PCI loans, individually evaluated for impairment by class of loans, as of and for the periods indicated below.
|  | As of and For the Three Months Ended March 31, 2015 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (Dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,004 |  |  | $ | 1,819 |  |  | $ | — |  |  | $ | 1,017 |  |  | $ | 8 |
SBA |  |  | 3,117 |  |  |  | 3,667 |  |  |  | — |  |  |  | 3,177 |  |  |  | 13 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 6,117 |  |  |  | 7,167 |  |  |  | — |  |  |  | 6,185 |  |  |  | 64 |
Non-owner occupied |  |  | 34,808 |  |  |  | 42,718 |  |  |  | — |  |  |  | 35,194 |  |  |  | 350 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 7,651 |  |  |  | 7,651 |  |  |  | — |  |  |  | 7,651 |  |  |  | 96 |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
SFR mortgage |  |  | 5,913 |  |  |  | 6,642 |  |  |  | — |  |  |  | 5,940 |  |  |  | 27 |
Dairy & livestock and agribusiness |  |  | 7,277 |  |  |  | 8,991 |  |  |  | — |  |  |  | 7,533 |  |  |  | 85 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 783 |  |  |  | 1,289 |  |  |  | — |  |  |  | 836 |  |  |  | 4 |
Total |  |  | 66,670 |  |  |  | 79,944 |  |  |  | — |  |  |  | 67,533 |  |  |  | 647 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 607 |  |  |  | 680 |  |  |  | 592 |  |  |  | 617 |  |  |  | — |
SBA |  |  | 41 |  |  |  | 54 |  |  |  | 42 |  |  |  | 45 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-owner occupied |  |  | 961 |  |  |  | 1,278 |  |  |  | 154 |  |  |  | 973 |  |  |  | — |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
SFR mortgage |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Dairy & livestock and agribusiness |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 98 |  |  |  | 107 |  |  |  | 6 |  |  |  | 99 |  |  |  | — |
Total |  |  | 1,707 |  |  |  | 2,119 |  |  |  | 794 |  |  |  | 1,734 |  |  |  | — |
Total impaired loans |  | $ | 68,377 |  |  | $ | 82,063 |  |  | $ | 794 |  |  | $ | 69,267 |  |  | $ | 647 |
|  | As of and For the Three Months Ended March 31, 2014 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (Dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,592 |  |  | $ | 2,862 |  |  | $ | — |  |  | $ | 2,596 |  |  | $ | 15 |
SBA |  |  | 1,581 |  |  |  | 1,997 |  |  |  | — |  |  |  | 1,634 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 10,108 |  |  |  | 10,768 |  |  |  | — |  |  |  | 10,221 |  |  |  | 117 |
Non-owner occupied |  |  | 21,928 |  |  |  | 27,740 |  |  |  | — |  |  |  | 22,103 |  |  |  | 215 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 17,519 |  |  |  | 18,407 |  |  |  | — |  |  |  | 17,550 |  |  |  | 77 |
Non-speculative |  |  | 9,169 |  |  |  | 9,169 |  |  |  | — |  |  |  | 9,184 |  |  |  | 140 |
SFR mortgage |  |  | 11,214 |  |  |  | 12,911 |  |  |  | — |  |  |  | 11,266 |  |  |  | 26 |
Dairy & livestock and agribusiness |  |  | 16,582 |  |  |  | 17,430 |  |  |  | — |  |  |  | 16,902 |  |  |  | 189 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 290 |  |  |  | 295 |  |  |  | — |  |  |  | 291 |  |  |  | — |
Total |  |  | 90,983 |  |  |  | 101,579 |  |  |  | — |  |  |  | 91,747 |  |  |  | 779 |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,699 |  |  |  | 2,033 |  |  |  | 814 |  |  |  | 1,701 |  |  |  | — |
SBA |  |  | 68 |  |  |  | 76 |  |  |  | 68 |  |  |  | 70 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 1,871 |  |  |  | 2,344 |  |  |  | 320 |  |  |  | 1,871 |  |  |  | — |
Non-owner occupied |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
SFR mortgage |  |  | 478 |  |  |  | 486 |  |  |  | 47 |  |  |  | 479 |  |  |  | — |
Dairy & livestock and agribusiness |  |  | 11,390 |  |  |  | 12,042 |  |  |  | 2,656 |  |  |  | 11,608 |  |  |  | 75 |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 107 |  |  |  | 165 |  |  |  | 96 |  |  |  | 107 |  |  |  | — |
Total |  |  | 15,613 |  |  |  | 17,146 |  |  |  | 4,001 |  |  |  | 15,836 |  |  |  | 75 |
Total impaired loans |  | $ | 106,596 |  |  | $ | 118,725 |  |  | $ | 4,001 |  |  | $ | 107,583 |  |  | $ | 854 |
|  | As of December 31, 2014 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
|  | (Dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,391 |  |  | $ | 3,624 |  |  | $ | — |
SBA |  |  | 1,853 |  |  |  | 2,197 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 16,961 |  |  |  | 18,166 |  |  |  | — |
Non-owner occupied |  |  | 30,068 |  |  |  | 38,156 |  |  |  | — |
Construction |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | 7,651 |  |  |  | 7,651 |  |  |  | — |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |
SFR mortgage |  |  | 6,512 |  |  |  | 7,493 |  |  |  | — |
Dairy & livestock and agribusiness |  |  | 15,796 |  |  |  | 17,587 |  |  |  | — |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 673 |  |  |  | 1,094 |  |  |  | — |
Total |  |  | 81,905 |  |  |  | 95,968 |  |  |  | — |
With a related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 629 |  |  |  | 698 |  |  |  | 615 |
SBA |  |  | 1,327 |  |  |  | 1,591 |  |  |  | 296 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | — |  |  |  | — |  |  |  | — |
Non-owner occupied |  |  | 982 |  |  |  | 1,278 |  |  |  | 154 |
Construction |  |  |  |  |  |  |  |  |  |  |  |
Speculative |  |  | — |  |  |  | — |  |  |  | — |
Non-speculative |  |  | — |  |  |  | — |  |  |  | — |
SFR mortgage |  |  | 467 |  |  |  | 484 |  |  |  | 35 |
Dairy & livestock and agribusiness |  |  | — |  |  |  | — |  |  |  | — |
Municipal lease finance receivables |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 482 |  |  |  | 508 |  |  |  | 449 |
Total |  |  | 3,887 |  |  |  | 4,559 |  |  |  | 1,549 |
Total impaired loans |  | $ | 85,792 |  |  | $ | 100,527 |  |  | $ | 1,549 |
Summary of Activity Related to Troubled Debt Restructurings | The following tables provide a summary of the activity related to TDRs for the periods presented.
|  | For the Three Months March 31, |
|  | 2015 |  |  | 2014 |
|  | (Dollars in thousands) |
Performing TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 53,589 |  |  | $ | 66,955 |
New modifications |  |  | — |  |  |  | 41 |
Payoffs and payments, net |  |  | (8,729 | ) |  |  | (602 | )
TDRs returned to accrual status |  |  | 516 |  |  |  | — |
TDRs placed on nonaccrual status |  |  | — |  |  |  | — |
Ending balance |  | $ | 45,376 |  |  | $ | 66,394 |
|  | For the Three Months March 31, |
|  | 2015 |  |  | 2014 |
|  | (Dollars in thousands) |
Nonperforming TDRs: |  |  |  |  |  |  |  |
Beginning balance |  | $ | 20,285 |  |  | $ | 25,119 |
New modifications (1) |  |  | — |  |  |  | — |
Charge-offs |  |  | — |  |  |  | — |
Payoffs and payments, net |  |  | (2,995 | ) |  |  | (1,151 | )
TDRs returned to accrual status |  |  | (516 | ) |  |  | — |
TDRs placed on nonaccrual status |  |  | — |  |  |  | — |
Ending balance |  | $ | 16,774 |  |  | $ | 23,968 |
Summary of Loans Modified as Troubled Debt Restructurings | The following tables summarize loans modified as troubled debt restructurings for the periods presented. Modifications (1)
|  | For the Three Months Ended March 31, 2015 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at March 31, 2015 |  |  | Financial Effect Resulting From Modifications (2) |
|  | (Dollars in thousands) |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Dairy & livestock and agribusiness: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total loans |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | For the Three Months Ended March 31, 2014 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Outstanding Recorded Investment at March 31, 2014 |  |  | Financial Effect Resulting From Modifications (2) |
|  | (Dollars in thousands) |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Change in amortization period or maturity |  |  | 1 |  |  |  | 41 |  |  |  | 41 |  |  |  | 39 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-owner occupied |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |
Change in amortization period or maturity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Dairy & livestock and agribusiness: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Change in amortization period or maturity |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest rate reduction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total loans |  |  | 1 |  |  | $ | 41 |  |  | $ | 41 |  |  | $ | 39 |  |  | $ | — |
(1) | The tables exclude modified loans that were paid off prior to the end of the period.
(2) | Financial effects resulting from modifications represent charge-offs and specific allowance recorded at modification date.

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