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LOANS AND LEASES AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

9 Months Ended

Sep. 30, 2014

Receivables [Abstract]

Loans and Leases Receivable

The following table presents the balances in the Company’s loans and leases portfolio as of the dates indicated:

	Non-Traditional Mortgages (NTM)				Traditional Loans				Total NTM  and Traditional  Loans				Purchased  Credit Impaired				Total Loans  and Leases Receivable
	($ in thousands)
September 30, 2014:
Commercial:
Commercial and industrial	$	—			$	365,136			$	365,136			$	1,280			$	366,416
Commercial real estate	—				510,251				510,251				11,616				521,867
Multi-family	—				367,364				367,364				—				367,364
SBA	—				22,523				22,523				3,206				25,729
Construction	—				25,997				25,997				—				25,997
Lease financing	—				72,027				72,027				—				72,027
Consumer:
Single family residential mortgage	203,967				624,291				828,258				236,440				1,064,698
Green Loans (HELOC) - first liens	126,323				—				126,323				—				126,323
Green Loans (HELOC) - second liens	4,952				—				4,952				—				4,952
Other consumer	113				136,223				136,336				359				136,695
Total gross loans	$	335,355			$	2,123,812			$	2,459,167			$	252,901			$	2,712,068
Percentage to total gross loans	12.4		%		78.3		%		90.7		%		9.3		%		100.0		%
Allowance for loan and lease losses																	(25,283		)
Loans and leases receivable, net																	$	2,686,785
December 31, 2013:
Commercial:
Commercial and industrial	$	—			$	283,743			$	283,743			$	4,028			$	287,771
Commercial real estate	—				514,869				514,869				15,014				529,883
Multi-family	—				141,580				141,580				—				141,580
SBA	—				23,740				23,740				3,688				27,428
Construction	—				24,933				24,933				—				24,933
Lease financing	—				31,949				31,949				—				31,949
Consumer:
Single family residential mortgage	156,490				667,526				824,016				314,820				1,138,836
Green Loans (HELOC) - first liens	147,705				—				147,705				—				147,705
Green Loans (HELOC) - second liens	5,289				—				5,289				—				5,289
Other consumer	113				108,888				109,001				1,736				110,737
Total gross loans	$	309,597			$	1,797,228			$	2,106,825			$	339,286			$	2,446,111
Percentage to total gross loans	12.7		%		73.4		%		86.1		%		13.9		%		100.0		%
Allowance for loan and lease losses																	(18,805		)
Loans and leases receivable, net																	$	2,427,306

Non Traditional Mortgages Portfolio

The following table presents the composition of the NTM portfolio as of the dates indicated:

	September 30, 2014										December 31, 2013
	Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
Green Loans (HELOC) - first liens	152			$	126,323			37.7	%		173			$	147,705			47.6	%
Interest-only - first liens	200			190,734				56.8	%		244			139,867				45.2	%
Negative amortization	32			13,233				3.9	%		37			16,623				5.4	%
Total NTM - first liens	384			330,290				98.4	%		454			304,195				98.2	%
Green Loans (HELOC) - second liens	19			4,952				1.5	%		23			5,289				1.7	%
Interest-only - second liens	1			113				0.1	%		1			113				0.1	%
Total NTM - second liens	20			5,065				1.6	%		24			5,402				1.8	%
Total NTM loans	404			335,355				100.0	%		478			309,597				100.0	%
Total gross loan portfolio				$	2,712,068									$	2,446,111
% of NTM to total gross loan portfolio				12.4		%								12.7		%

Risk Categories for Loans and Leases

The following table presents the Company’s non-traditional single family residential mortgage Green Loans first lien portfolio at September 30, 2014 by FICO scores that were obtained during the second quarter of 2014, comparing to the FICO scores for those same loans that were obtained during the fourth quarter of 2013:

	By FICO Scores Obtained During the Quarter Ended June 30, 2014										By FICO Scores Obtained During the Quarter Ended December 31, 2013										Change
	Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
September 30, 2014:
FICO Score
800+	21			$	13,095			10.4	%		13			$	7,307			5.8	%		8			$	5,788			4.6	%
700-799	74			56,628				44.8	%		89			68,877				54.6	%		(15	)		(12,249		)		(9.8	)%
600-699	33			29,172				23.1	%		32			28,097				22.2	%		1			1,075				0.9	%
<600	9			10,536				8.3	%		8			7,003				5.5	%		1			3,533				2.8	%
No FICO	15			16,892				13.4	%		10			15,039				11.9	%		5			1,853				1.5	%
Totals	152			$	126,323			100.0	%		152			$	126,323			100.0	%		—			$	—			—	%

The following table presents the risk categories for loans and leases as of September 30, 2014:

	September 30, 2014
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	201,867			$	763			$	1,337			$	—			$	—			$	203,967
Green Loans (HELOC) - first liens	107,644				5,220				13,459				—				—				126,323
Green Loans (HELOC) - second liens	4,743				—				209				—				—				4,952
Other consumer	113				—				—				—				—				113
Total NTM loans	314,367				5,983				15,005				—				—				335,355
Traditional loans:
Commercial:
Commercial and industrial	357,245				2,998				4,893				—				—				365,136
Commercial real estate	505,088				1,591				3,572				—				—				510,251
Multi-family	364,252				1,243				1,869				—				—				367,364
SBA	22,236				—				287				—				—				22,523
Construction	25,997				—				—				—				—				25,997
Lease financing	71,987				—				40				—				—				72,027
Consumer:
Single family residential mortgage	598,515				8,940				16,836				—				—				624,291
Other consumer	134,888				102				1,233				—				—				136,223
Total traditional loans	2,080,208				14,874				28,730				—				—				2,123,812
PCI loans:
Commercial:
Commercial and industrial	—				115				1,165				—				—				1,280
Commercial real estate	9,084				—				2,532				—				—				11,616
SBA	693				582				1,931				—				—				3,206
Consumer:
Single family residential mortgage	—				—				266				—				236,174				236,440
Other consumer	—				—				359				—				—				359
Total PCI loans	9,777				697				6,253				—				236,174				252,901
Total	$	2,404,352			$	21,554			$	49,988			$	—			$	236,174			$	2,712,068

The following table presents the risk categories for loans and leases as of December 31, 2013:

	December 31, 2013
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	151,728			$	2,321			$	2,441			$	—			$	—			$	156,490
Green Loans (HELOC) - first liens	129,679				11,470				6,556				—				—				147,705
Green Loans (HELOC) - second liens	5,073				—				216				—				—				5,289
Other consumer	113				—				—				—				—				113
Total NTM loans	286,593				13,791				9,213				—				—				309,597
Traditional loans:
Commercial:
Commercial and industrial	280,527				1				3,215				—				—				283,743
Commercial real estate	510,117				—				4,752				—				—				514,869
Multi-family	139,608				—				1,972				—				—				141,580
SBA	23,714				—				26				—				—				23,740
Construction	24,933				—				—				—				—				24,933
Lease financing	31,949				—				—				—				—				31,949
Consumer:
Single family residential mortgage	640,701				6,350				20,475				—				—				667,526
Other consumer	108,745				108				33				2				—				108,888
Total traditional loans	1,760,294				6,459				30,473				2				—				1,797,228
PCI loans:
Commercial:
Commercial and industrial	—				969				3,059				—				—				4,028
Commercial real estate	10,148				—				4,866				—				—				15,014
SBA	844				605				2,239				—				—				3,688
Consumer:
Single family residential mortgage	—				—				287				—				314,533				314,820
Other consumer	—				—				1,736				—				—				1,736
Total PCI loans	10,992				1,574				12,187				—				314,533				339,286
Total	$	2,057,879			$	21,824			$	51,873			$	2			$	314,533			$	2,446,111

The table below represents the Company’s single family residential NTM first lien portfolio by loan-to-value (LTV) as of the dates indicated:

	Green										Interest Only										Negative Amortization										Total
	Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
September 30, 2014:
LTV’s (1)
< 61	79			$	73,361			58.1	%		62			$	88,103			46.2	%		15			$	7,362			55.6	%		156			$	168,826			51.1	%
61-80	46			35,799				28.3	%		45			70,502				37.0	%		10			4,113				31.1	%		101			110,414				33.4	%
81-100	22			12,710				10.1	%		32			11,860				6.2	%		6			1,361				10.3	%		60			25,931				7.9	%
> 100	5			4,453				3.5	%		61			20,269				10.6	%		1			397				3.0	%		67			25,119				7.6	%
Total	152			$	126,323			100.0	%		200			$	190,734			100.0	%		32			$	13,233			100.0	%		384			$	330,290			100.0	%
December 31, 2013:
LTV’s (1)
< 61	90			$	78,807			53.3	%		80			$	65,181			46.6	%		13			$	4,930			29.7	%		183			$	148,918			49.0	%
61-80	38			33,604				22.8	%		51			28,999				20.7	%		13			7,643				45.9	%		102			70,246				23.1	%
81-100	26			14,917				10.1	%		43			21,474				15.4	%		8			3,277				19.7	%		77			39,668				13.0	%
> 100	19			20,377				13.8	%		70			24,213				17.3	%		3			773				4.7	%		92			45,363				14.9	%
Total	173			$	147,705			100.0	%		244			$	139,867			100.0	%		37			$	16,623			100.0	%		454			$	304,195			100.0	%

(1) LTV represents estimated current loan to value ratio, determined by dividing current unpaid principal balance by latest estimated property value received per the Company policy.

Allowance for Loan and Lease Losses and Recorded Investment, Excluding Accrued Interest, in Loans

The following table presents a summary of activity in the allowance for loan and lease losses for the periods indicated:

	Three Months Ended   September 30,								Nine Months Ended   September 30,
	2014				2013				2014				2013
	(In thousands)
Balance at beginning of period	$	22,627			$	16,979			$	18,805			$	14,448
Loans and leases charged off	(312		)		(211		)		(898		)		(2,145		)
Recoveries of loans and leases previously charged off	96				253				1,172				632
Transfer of loans from (to) held-for-sale	92				—				(613		)		—
Provision for loan and lease losses	2,780				2,109				6,817				6,195
Balance at end of period	$	25,283			$	19,130			$	25,283			$	19,130

The following table presents the activity and balance in the allowance for loan and lease losses and the recorded investment, excluding accrued interest, in loans and leases by portfolio segment and is based on the impairment method as of or for the three and nine months ended September 30, 2014:

	Commercial and Industrial				Commercial Real Estate				Multi- family				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Unallocated				Total
	(In thousands)
Allowance for loan and lease losses:
Balance at June 30, 2014	$	3,007			$	5,615			$	3,408			$	261			$	1,245			$	730			$	7,289			$	1,072			$	—			$	22,627
Charge-offs	—				(65		)		—				—				—				(227		)		(18		)		(2		)		—				(312		)
Recoveries	—				88				—				7				—				—				—				1				—				96
Transfer of loans from held-for-sale	—				—				—				—				—				—				92				—				—				92
Provision	1,878				(1,767		)		2,676				44				(762		)		233				(463		)		941				—				2,780
Balance at September 30, 2014	$	4,885			$	3,871			$	6,084			$	312			$	483			$	736			$	6,900			$	2,012			$	—			$	25,283
Balance at December 31, 2013	$	1,822			$	5,484			$	2,566			$	235			$	244			$	428			$	7,044			$	532			$	450			$	18,805
Charge-offs	—				(65		)		(3		)		(17		)		—				(227		)		(375		)		(211		)		—				(898		)
Recoveries	53				843				—				273				—				—				—				3				—				1,172
Transfer of loans to held-for-sale	—				—				—				—				—				—				(613		)		—				—				(613		)
Provision	3,010				(2,391		)		3,521				(179		)		239				535				844				1,688				(450		)		6,817
Balance at September 30, 2014	$	4,885			$	3,871			$	6,084			$	312			$	483			$	736			$	6,900			$	2,012			$	—			$	25,283
Individually evaluated for impairment	$	7			$	—			$	80			$	—			$	—			$	—			$	437			$	—			$	—			$	524
Collectively evaluated for impairment	4,878				3,871				6,004				312				483				736				6,463				2,012				—				24,759
Acquired with deteriorated credit quality	—				—				—				—				—				—				—				—				—				—
Total ending allowance balance	$	4,885			$	3,871			$	6,084			$	312			$	483			$	736			$	6,900			$	2,012			$	—			$	25,283
Loans:
Individually evaluated for impairment	$	7,333			$	3,572			$	1,622			$	6			$	—			$	—			$	23,119			$	1,382			$	—			$	37,034
Collectively evaluated for impairment	357,803				506,679				365,742				22,517				25,997				72,027				931,462				139,906				—				2,422,133
Acquired with deteriorated credit quality	1,280				11,616				—				3,206				—				—				236,440				359				—				252,901
Total ending loan balances	$	366,416			$	521,867			$	367,364			$	25,729			$	25,997			$	72,027			$	1,191,021			$	141,647			$	—			$	2,712,068

The following table presents the activity and balance in the allowance for loan and lease losses and the recorded investment, excluding accrued interest, in loans and leases by portfolio segment and is based on the impairment method as of or for the three and nine months ended September 30, 2013:

	Commercial and Industrial				Commercial Real Estate				Multi- family				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Unallocated				Total
	(In thousands)
Allowance for loan and lease losses:
Balance at June 30, 2013	$	816			$	4,508			$	1,449			$	179			$	503			$	244			$	8,751			$	225			$	304			$	16,979
Charge-offs	—				(12		)		—				(199		)		—				—				—				—				—				(211		)
Recoveries	—				153				—				97				—				2				1				—				—				253
Provision	636				1,047				266				373				(194		)		66				12				102				(199		)		2,109
Balance at September 30, 2013	$	1,452			$	5,696			$	1,715			$	450			$	309			$	312			$	8,764			$	327			$	105			$	19,130
Balance at December 31, 2012	$	263			$	3,178			$	1,478			$	118			$	21			$	261			$	8,855			$	274			$	—			$	14,448
Charge-offs	—				(372		)		(553		)		(592		)		—				(23		)		(591		)		(14		)		—				(2,145		)
Recoveries	—				173				88				264				—				8				92				7				—				632
Provision	1,189				2,717				702				660				288				66				408				60				105				6,195
Balance at September 30, 2013	$	1,452			$	5,696			$	1,715			$	450			$	309			$	312			$	8,764			$	327			$	105			$	19,130
Individually evaluated for impairment	$	2			$	276			$	—			$	—			$	—			$	—			$	1,089			$	32			$	—			$	1,399
Collectively evaluated for impairment	1,450				5,420				1,715				450				309				312				7,363				295				105				17,419
Acquired with deteriorated credit quality	—				—				—				—				—				—				312				—				—				312
Total ending allowance balance	$	1,452			$	5,696			$	1,715			$	450			$	309			$	312			$	8,764			$	327			$	105			$	19,130
Loans:
Individually evaluated for impairment	$	70			$	5,896			$	—			$	11			$	—			$	—			$	13,202			$	1,055			$	—			$	20,234
Collectively evaluated for impairment	247,079				457,377				130,449				23,857				22,838				21,340				1,215,788				108,098				—				2,226,826
Acquired with deteriorated credit quality	3,600				18,987				831				3,801				—				—				321,078				831				—				349,128
Total ending loan balances	$	250,749			$	482,260			$	131,280			$	27,669			$	22,838			$	21,340			$	1,550,068			$	109,984			$	—			$	2,596,188

Loans and Leases Individually Evaluated for Impairment by Class of Loans and Leases

The following table presents loans and leases individually evaluated for impairment by class of loans and leases as of the dates indicated. The recorded investment, excluding accrued interest, presents customer balances net of any partial charge-offs recognized on the loans and leases and net of any deferred fees and costs.

	September 30, 2014												December 31, 2013
	Unpaid Principal Balance				Recorded Investment				Allowance for Loan and Lease Losses				Unpaid Principal Balance				Recorded Investment				Allowance for Loan and Lease Losses
	(In thousands)
With no related allowance recorded:
Commercial:
Commercial and industrial	$	4,249			$	4,238			$	—			$	50			$	33			$	—
Commercial real estate	3,707				2,655				—				4,951				3,868				—
Multi-family	296				273				—				487				270				—
SBA	24				6				—				26				10				—
Consumer:
Single family residential mortgage	18,189				17,459				—				10,765				9,487				—
Other consumer	1,947				1,382				—				248				247				—
With an allowance recorded:
Commercial:
Commercial and industrial	3,097				3,095				7				—				—				—
Commercial real estate	915				917				—				—				—				—
Multi-family	1,461				1,349				80				1,797				1,702				60
Consumer:
Single family residential mortgage	5,642				5,660				437				3,378				3,327				34
Other consumer	—				—				—				2				2				2
Total	$	39,527			$	37,034			$	524			$	21,704			$	18,946			$	96

The following table presents information on impaired loans and leases, disaggregated by class, for the periods indicated:

	Three Months Ended												Nine Months Ended
	Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
	(In thousands)
September 30, 2014:
Commercial:
Commercial and industrial	$	7,295			$	31			$	56			$	2,432			$	31			$	56
Commercial real estate	3,595				44				51				3,476				93				108
Multi-family	1,637				12				12				1,668				25				25
SBA	6				—				—				2				—				—
Consumer:
Single family residential mortgage	23,201				182				194				14,580				247				259
Other consumer	1,393				22				22				606				23				23
Total	$	37,127			$	291			$	335			$	22,764			$	419			$	471
September 30, 2013
Commercial:
Commercial and industrial	$	137			$	8			$	8			$	69			$	8			$	8
Commercial real estate	$	6,021			$	71			$	79			$	3,391			$	94			$	102
Multi-family	—				—				—				1,106				16				18
SBA	11				1				1				12				1				1
Consumer:
Single family residential mortgage	13,218				73				76				12,265				165				169
Other consumer	1,051				—				—				843				—				—
Total	$	20,438			$	153			$	164			$	17,686			$	284			$	298

Composition of Nonaccrual Loans and Leases

The following table presents the composition of nonaccrual loans and leases as of the dates indicated:

	September 30, 2014												December 31, 2013
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
Commercial and industrial	$	—			$	5,226			$	5,226			$	—			$	33			$	33
Commercial real estate	—				2,656				2,656				—				3,868				3,868
Multi-family	—				2,285				2,285				—				1,972				1,972
SBA	—				263				263				—				10				10
Construction	—				—				—				—				—				—
Lease financing	—				40				40				—				—				—
Consumer:
Single family residential mortgage	1,060				12,938				13,998				2,000				18,032				20,032
Green Loans (HELOC) - first liens	12,414				—				12,414				5,482				—				5,482
Green Loans (HELOC) - second liens	209				—				209				216				—				216
Other consumer	—				1,242				1,242				—				35				35
Total nonaccrual loans and leases	$	13,683			$	24,650			$	38,333			$	7,698			$	23,950			$	31,648

Aging of Recorded Investment in Past Due Loans and Leases

The following table presents the aging of the recorded investment in past due loans and leases as of September 30, 2014, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	September 30, 2014
	30 - 59 Days Past Due				60 - 89 Days Past Due				Greater  than 89 Days Past due				Total Past Due				Current				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	3,893			$	763			$	1,060			$	5,716			$	198,251			$	203,967
Green Loans (HELOC) - first liens	927				—				437				1,364				124,959				126,323
Green Loans (HELOC) - second liens	209				—				—				209				4,743				4,952
Other consumer	—				—				—				—				113				113
Total NTM loans	5,029				763				1,497				7,289				328,066				335,355
Traditional loans:
Commercial:
Commercial and industrial	4,052				1				4,238				8,291				356,845				365,136
Commercial real estate	3,745				—				—				3,745				506,506				510,251
Multi-family	755				—				—				755				366,609				367,364
SBA	57				11				226				294				22,229				22,523
Construction	—				—				—				—				25,997				25,997
Lease financing	253				39				40				332				71,695				72,027
Consumer:
Single family residential mortgage	17,011				3,780				9,662				30,453				593,838				624,291
Other consumer	34				1				9				44				136,179				136,223
Total traditional loans	25,907				3,832				14,175				43,914				2,079,898				2,123,812
Purchased Credit Impaired (PCI) loans:
Commercial:
Commercial and industrial	747				—				—				747				533				1,280
Commercial real estate	455				—				925				1,380				10,236				11,616
SBA	584				254				43				881				2,325				3,206
Consumer:
Single family residential mortgage	12,225				4,478				3,049				19,752				216,688				236,440
Other consumer	—				—				—				—				359				359
Total PCI loans	14,011				4,732				4,017				22,760				230,141				252,901
Total	$	44,947			$	9,327			$	19,689			$	73,963			$	2,638,105			$	2,712,068

The following table presents the aging of the recorded investment in past due loans and leases as of December 31, 2013, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	December 31, 2013
	30 - 59 Days Past Due				60 - 89 Days Past Due				Greater  than 89 Days Past due				Total Past Due				Current				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	1,003			$	1,854			$	769			$	3,626			$	152,864			$	156,490
Green Loans (HELOC) - first liens	653				—				437				1,090				146,615				147,705
Green Loans (HELOC) - second liens	—				—				—				—				5,289				5,289
Other consumer	—				—				—				—				113				113
Total NTM loans	1,656				1,854				1,206				4,716				304,881				309,597
Traditional loans:
Commercial:
Commercial and industrial	52				235				—				287				283,456				283,743
Commercial real estate	5,554				194				—				5,748				509,121				514,869
Multi-family	602				—				—				602				140,978				141,580
SBA	14				48				—				62				23,678				23,740
Construction	—				—				—				—				24,933				24,933
Lease financing	271				92				19				382				31,567				31,949
Consumer:
Single family residential mortgage	20,684				6,124				12,181				38,989				628,537				667,526
Other consumer	209				110				35				354				108,534				108,888
Total traditional loans	27,386				6,803				12,235				46,424				1,750,804				1,797,228
PCI loans:
Commercial:
Commercial and industrial	—				—				—				—				4,028				4,028
Commercial real estate	—				—				—				—				15,014				15,014
SBA	45				1				106				152				3,536				3,688
Consumer:
Single family residential mortgage	21,888				8,580				12,099				42,567				272,253				314,820
Other consumer	—				—				—				—				1,736				1,736
Total PCI loans	21,933				8,581				12,205				42,719				296,567				339,286
Total	$	50,975			$	17,238			$	25,646			$	93,859			$	2,352,252			$	2,446,111

Troubled Debt Restructurings

For the three and nine months ended September 30, 2014, there was one modification through bankruptcy discharge. There were no modifications for the three and nine months ended September 30, 2013. The following table summarizes the pre-modification and post-modification balances of the new TDR for the three and nine months ended September 30, 2014:

	Three Months Ended											Nine Months Ended
	Number of Loans			Pre- Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment				Number of Loans			Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	($ in thousands)
September 30, 2014:
Consumer:
Single family residential mortgage	1			$	236			$	233			1			$	236			$	233
Total	1			236				233				1			236				233

For the nine months ended September 30, 2014 and 2013, there were no loans and leases that were modified as TDRs during the past 12 months that had payment defaults during the periods.

Troubled debt restructured loans and leases consist of the following as of the dates indicated:

	September 30, 2014												December 31, 2013
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
Commercial real estate	$	—			$	—			$	—			$	—			$	194			$	194
SBA	—				6				6				—				10				10
Consumer:
Single family residential mortgage	—				3,301				3,301				—				3,605				3,605
Green Loans (HELOC) - first liens	3,451				—				3,451				3,468				—				3,468
Other consumer	—				1,173				1,173				—				—				—
Total	$	3,451			$	4,480			$	7,931			$	3,468			$	3,809			$	7,277

Carrying Amount of Purchased Credit Impaired Loans and Leases

The following table presents the outstanding balance and carrying amount of those loans and leases, which are sometimes collectively referred to as “PCI loans” as of the dates indicated:

	September 30, 2014								December 31, 2013
	Outstanding Balance				Carrying Amount				Outstanding Balance				Carrying Amount
	(In thousands)
Commercial:
Commercial and industrial	$	1,886			$	1,280			$	5,838			$	4,028
Commercial real estate	13,831				11,616				17,682				15,014
SBA	4,299				3,206				4,940				3,688
Consumer:
Single family residential mortgage	290,445				236,440				414,341				314,820
Other consumer	400				359				2,134				1,736
Total	$	310,861			$	252,901			$	444,935			$	339,286

Accretable Yield, or Income Expected to be Collected

The following table presents a summary of accretable yield, or income expected to be collected for the periods indicated:

	Three Months Ended   September 30,								Nine Months Ended   September 30,
	2014				2013				2014				2013
	(In thousands)
Balance at beginning of period	$	126,842			$	98,239			$	126,336			$	32,207
New loans or leases purchased	—				59,798				—				155,416
Accretion of income	(6,534		)		(4,684		)		(20,318		)		(12,195		)
Changes in expected cash flows	(834		)		154				26,892				(5,034		)
Disposals	(23,041		)		(5,881		)		(36,477		)		(22,768		)
Balance at end of period	$	96,433			$	147,626			$	96,433			$	147,626

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