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

3 Months Ended

Mar. 31, 2015

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)
March 31, 2015
Commercial:
Commercial and industrial	$	—			$	488,150			$	488,150			$	1,079			$	489,229
Commercial real estate	—				965,302				965,302				10,432				975,734
Multi-family	—				940,053				940,053				—				940,053
SBA	—				45,118				45,118				3,136				48,254
Construction	—				38,081				38,081				—				38,081
Lease financing	—				102,012				102,012				—				102,012
Consumer:
Single family residential mortgage	229,006				593,019				822,025				227,151				1,049,176
Green Loans (HELOC) - first liens	119,958				—				119,958				—				119,958
Green Loans (HELOC) - second liens	4,748				—				4,748				—				4,748
Other consumer	113				166,357				166,470				—				166,470
Total gross loans and leases	$	353,825			$	3,338,092			$	3,691,917			$	241,798			$	3,933,715
Percentage to total gross loans and leases	9.0		%		84.9		%		93.9		%		6.1		%		100.0		%
Allowance for loan and lease losses																	(29,345		)
Loans and leases receivable, net																	$	3,904,370
December 31, 2014
Commercial:
Commercial and industrial	$	—			$	489,766			$	489,766			$	1,134			$	490,900
Commercial real estate	—				988,330				988,330				11,527				999,857
Multi-family	—				955,683				955,683				—				955,683
SBA	—				32,998				32,998				3,157				36,155
Construction	—				42,198				42,198				—				42,198
Lease financing	—				85,749				85,749				—				85,749
Consumer:
Single family residential mortgage	222,306				595,100				817,406				231,079				1,048,485
Green Loans (HELOC) - first liens	123,177				—				123,177				—				123,177
Green Loans (HELOC) - second liens	4,979				—				4,979				—				4,979
Other consumer	113				161,826				161,939				—				161,939
Total gross loans and leases	$	350,575			$	3,351,650			$	3,702,225			$	246,897			$	3,949,122
Percentage to total gross loans and leases	8.9		%		84.8		%		93.7		%		6.3		%		100.0		%
Allowance for loan and lease losses																	(29,480		)
Loans and leases receivable, net																	$	3,919,642

Non Traditional Mortgages Portfolio

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

	March 31, 2015										December 31, 2014
	Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
Green Loans (HELOC) - first liens	147			$	119,958			33.9	%		148			$	123,177			35.1	%
Interest-only - first liens	204			216,765				61.2	%		207			209,207				59.7	%
Negative amortization	31			12,241				3.5	%		32			13,099				3.7	%
Total NTM - first liens	382			348,964				98.6	%		387			345,483				98.5	%
Green Loans (HELOC) - second liens	19			4,748				1.3	%		19			4,979				1.4	%
Interest-only - second liens	1			113				0.1	%		1			113				0.1	%
Total NTM - second liens	20			4,861				1.4	%		20			5,092				1.5	%
Total NTM loans	402			$	353,825			100.0	%		407			$	350,575			100.0	%
Total gross loan portfolio				$	3,933,715									$	3,949,122
% of NTM to total gross loan portfolio				9.0		%								8.9		%

Risk Categories for Loans and Leases

The following table presents the Company’s NTM Green Loans first lien portfolio at March 31, 2015 and December 31, 2014 by FICO scores:

	March 31, 2015										December 31, 2014										Change
	Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
FICO Score
800+	28			$	19,448			16.2	%		28			$	20,248			16.4	%		—			$	(800	)		(0.2	)%
700-799	72			50,769				42.3	%		72			52,532				42.7	%		—			(1,763		)		(0.4	)%
600-699	28			30,431				25.4	%		29			31,053				25.2	%		(1	)		(622		)		0.2	%
<600	8			11,873				9.9	%		8			11,893				9.7	%		—			(20		)		0.2	%
No FICO	11			7,437				6.2	%		11			7,451				6.0	%		—			(14		)		0.2	%
Totals	147			$	119,958			100.0	%		148			$	123,177			100.0	%		(1	)		$	(3,219	)		—	%

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)
LTV’s (1)
March 31, 2015
< 61	77			$	56,136			46.7	%		60			$	99,152			45.8	%		15			$	5,960			48.7	%		152			$	161,248			46.2	%
61-80	45			46,129				38.5	%		52			83,480				38.5	%		12			5,312				43.4	%		109			134,921				38.7	%
81-100	18			11,833				9.9	%		33			15,463				7.1	%		3			579				4.7	%		54			27,875				8.0	%
> 100	7			5,860				4.9	%		59			18,670				8.6	%		1			390				3.2	%		67			24,920				7.1	%
Total	147			$	119,958			100.0	%		204			$	216,765			100.0	%		31			$	12,241			100.0	%		382			$	348,964			100.0	%
December 31, 2014
< 61	77			$	58,856			47.8	%		60			$	93,254			44.7	%		15			$	6,023			46.0	%		152			$	158,133			45.8	%
61-80	45			46,177				37.5	%		54			81,472				38.9	%		12			5,901				45.0	%		111			133,550				38.6	%
81-100	18			11,846				9.6	%		33			14,927				7.1	%		4			781				6.0	%		55			27,554				8.0	%
> 100	8			6,298				5.1	%		60			19,554				9.3	%		1			394				3.0	%		69			26,246				7.6	%
Total	148			$	123,177			100.0	%		207			$	209,207			100.0	%		32			$	13,099			100.0	%		387			$	345,483			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.

The following table presents the risk categories for loans and leases as of March 31, 2015:

	March 31, 2015
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	224,683			$	2,041			$	2,282			$	—			$	—			$	229,006
Green Loans (HELOC) - first liens	100,428				3,056				16,173				301				—				119,958
Green Loans (HELOC) - second liens	4,748				—				—				—				—				4,748
Other consumer	113				—				—				—				—				113
Total NTM loans	329,972				5,097				18,455				301				—				353,825
Traditional loans and leases:
Commercial:
Commercial and industrial	476,344				106				11,700				—				—				488,150
Commercial real estate	926,109				14,099				25,094				—				—				965,302
Multi-family	919,956				5,974				14,123				—				—				940,053
SBA	44,301				—				817				—				—				45,118
Construction	38,081				—				—				—				—				38,081
Lease financing	101,285				64				663				—				—				102,012
Consumer:
Single family residential mortgage	557,947				15,848				19,224				—				—				593,019
Other consumer	166,243				78				36				—				—				166,357
Total traditional loans and leases	3,230,266				36,169				71,657				—				—				3,338,092
PCI loans:
Commercial:
Commercial and industrial	92				—				987				—				—				1,079
Commercial real estate	5,700				974				3,758				—				—				10,432
SBA	364				346				2,426				—				—				3,136
Consumer:
Single family residential mortgage	—				—				255				—				226,896				227,151
Total PCI loans	6,156				1,320				7,426				—				226,896				241,798
Total	$	3,566,394			$	42,586			$	97,538			$	301			$	226,896			$	3,933,715

The following table presents the risk categories for loans and leases as of December 31, 2014:

	December 31, 2014
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	219,747			$	279			$	2,280			$	—			$	—			$	222,306
Green Loans (HELOC) - first liens	104,640				399				18,138				—				—				123,177
Green Loans (HELOC) - second liens	4,770				—				209				—				—				4,979
Other consumer	113				—				—				—				—				113
Total NTM loans	329,270				678				20,627				—				—				350,575
Traditional loans and leases:
Commercial:
Commercial and industrial	477,319				117				12,330				—				—				489,766
Commercial real estate	943,645				14,281				30,404				—				—				988,330
Multi-family	932,438				6,684				16,561				—				—				955,683
SBA	32,171				—				827				—				—				32,998
Construction	42,198				—				—				—				—				42,198
Lease financing	85,613				36				100				—				—				85,749
Consumer:
Single family residential mortgage	569,871				10,395				14,834				—				—				595,100
Other consumer	161,701				85				40				—				—				161,826
Total traditional loans and leases	3,244,956				31,598				75,096				—				—				3,351,650
PCI loans:
Commercial:
Commercial and industrial	104				—				1,030				—				—				1,134
Commercial real estate	6,676				985				3,866				—				—				11,527
SBA	677				351				2,129				—				—				3,157
Consumer:
Single family residential mortgage	—				—				268				—				230,811				231,079
Total PCI loans	7,457				1,336				7,293				—				230,811				246,897
Total	$	3,581,683			$	33,612			$	103,016			$	—			$	230,811			$	3,949,122

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   March 31,
	2015				2014
	(In thousands)
Balance at beginning of period	$	29,480			$	18,805
Loans and leases charged off	(357		)		(203		)
Recoveries of loans and leases previously charged off	222				435
Transfer of loans from (to) held-for-sale	—				(963		)
Provision for loan and lease losses	—				1,929
Balance at end of period	$	29,345			$	20,003

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 months ended March 31, 2015:

	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 December 31, 2014	$	6,910			$	3,840			$	7,179			$	335			$	846			$	873			$	7,192			$	2,305			$	—			$	29,480
Charge-offs	(11		)		(259		)		—				—				—				(87		)		—				—				—				(357		)
Recoveries	3				132				3				72				—				—				—				12				—				222
Provision	(418		)		191				(18		)		159				(151		)		409				(232		)		(304		)		364				—
Balance at March 31, 2015	$	6,484			$	3,904			$	7,164			$	566			$	695			$	1,195			$	6,960			$	2,013			$	364			$	29,345
Individually evaluated for impairment	$	749			$	—			$	—			$	—			$	—			$	—			$	450			$	—			$	—			$	1,199
Collectively evaluated for impairment	5,677				3,792				7,164				547				695				1,195				6,493				2,013				364				27,940
Acquired with deteriorated credit quality	58				112				—				19				—				—				17				—				—				206
Total ending allowance balance	$	6,484			$	3,904			$	7,164			$	566			$	695			$	1,195			$	6,960			$	2,013			$	364			$	29,345
Loans:
Individually evaluated for impairment	$	8,087			$	373			$	1,566			$	9			$	—			$	—			$	21,790			$	294			$	—			$	32,119
Collectively evaluated for impairment	480,063				964,929				938,487				45,109				38,081				102,012				920,193				170,924				—				3,659,798
Acquired with deteriorated credit quality	1,079				10,432				—				3,136				—				—				227,151				—				—				241,798
Total ending loan balances	$	489,229			$	975,734			$	940,053			$	48,254			$	38,081			$	102,012			$	1,169,134			$	171,218			$	—			$	3,933,715

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 months ended March 31, 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 December 31, 2013	$	1,822			$	5,484			$	2,566			$	235			$	244			$	428			$	7,044			$	532			$	450			$	18,805
Charge-offs	—				—				—				(17		)		—				—				(151		)		(35		)		—				(203		)
Recoveries	26				316				—				92				—				—				—				1				—				435
Transfer of loans to held-for-sale	—				—				—				—				—				—				(963		)		—				—				(963		)
Provision	519				649				154				(99		)		108				194				217				284				(97		)		1,929
Balance at March 31, 2014	$	2,367			$	6,449			$	2,720			$	211			$	352			$	622			$	6,147			$	782			$	353			$	20,003
Individually evaluated for impairment	$	—			$	—			$	37			$	—			$	—			$	—			$	25			$	—			$	—			$	62
Collectively evaluated for impairment	2,367				6,449				2,683				211				352				622				5,926				782				353				19,745
Acquired with deteriorated credit quality	—				—				—				—				—				—				196				—				—				196
Total ending allowance balance	$	2,367			$	6,449			$	2,720			$	211			$	352			$	622			$	6,147			$	782			$	353			$	20,003
Loans:
Individually evaluated for impairment	$	—			$	3,218			$	1,674			$	—			$	—			$	—			$	10,160			$	212			$	—			$	15,264
Collectively evaluated for impairment	297,646				542,750				153,708				23,064				25,144				48,537				856,664				120,795				—				2,068,308
Acquired with deteriorated credit quality	1,538				14,613				—				3,477				—				—				292,039				1,756				—				313,423
Total ending loan balances	$	299,184			$	560,581			$	155,382			$	26,541			$	25,144			$	48,537			$	1,158,863			$	122,763			$	—			$	2,396,995

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.

	March 31, 2015												December 31, 2014
	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	$	4,085			$	3,953			$	—			$	4,803			$	4,708			$	—
Commercial real estate	1,233				373				—				1,910				1,017				—
Multi-family	1,732				1,566				—				1,747				1,594				—
SBA	23				9				—				24				6				—
Consumer:
Single family residential mortgage	17,396				16,725				—				15,729				15,131				—
Other consumer	294				294				—				507				503				—
With an allowance recorded:
Commercial:
Commercial and industrial	4,179				4,134				749				4,310				4,313				788
Commercial real estate	—				—				—				—				—				—
Multi-family	—				—				—				—				—				—
Consumer:
Single family residential mortgage	5,243				5,065				450				6,422				6,206				500
Other consumer	—				—				—				—				—				—
Total	$	34,185			$	32,119			$	1,199			$	35,452			$	33,478			$	1,288

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

	Three Months Ended March 31,
	2015												2014
	Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
	(In thousands)
Commercial:
Commercial and industrial	$	8,199			$	119			$	130			$	—			$	—			$	—
Commercial real estate	383				10				10				3,417				49				57
Multi-family	1,580				13				15				1,684				13				13
SBA	7				—				—				—				—				—
Consumer:
Single family residential mortgage	21,866				179				176				10,270				65				65
Other consumer	294				2				3				213				1				1
Total	$	32,329			$	323			$	334			$	15,584			$	128			$	136

Composition of Nonaccrual Loans and Leases

The following table presents nonaccrual loans and leases, and loans past due 90 days or more and still accruing as of the dates indicated:

	March 31, 2015												December 31, 2014
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Loans past due 90 days or more and still accruing	$	—			$	—			$	—			$	—			$	—			$	—
Nonaccrual loans and leases:
The Company maintains specific allowances for these loans of $584 in 2015 and $478 in 2014	13,635				29,119				42,754				14,592				23,789				38,381

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

	March 31, 2015												December 31, 2014
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
Commercial and industrial	$	—			$	6,676			$	6,676			$	—			$	7,143			$	7,143
Commercial real estate	—				1,026				1,026				—				1,017				1,017
Multi-family	—				2,005				2,005				—				1,834				1,834
SBA	—				342				342				—				285				285
Construction	—				—				—				—				—				—
Lease financing	—				663				663				—				100				100
Consumer:
Single family residential mortgage	2,957				18,371				21,328				2,049				13,370				15,419
Green Loans (HELOC) - first liens	10,678				—				10,678				12,334				—				12,334
Green Loans (HELOC) - second liens	—				—				—				209				—				209
Other consumer	—				36				36				—				40				40
Total nonaccrual loans and leases	$	13,635			$	29,119			$	42,754			$	14,592			$	23,789			$	38,381

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 March 31, 2015, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	March 31, 2015
	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	$	1,121			$	419			$	2,957			$	4,497			$	224,509			$	229,006
Green Loans (HELOC) - first liens	9,076				—				—				9,076				110,882				119,958
Green Loans (HELOC) - second liens	—				—				—				—				4,748				4,748
Other consumer	—				—				—				—				113				113
Total NTM loans	10,197				419				2,957				13,573				340,252				353,825
Traditional loans and leases:
Commercial:
Commercial and industrial	601				16				170				787				487,363				488,150
Commercial real estate	3,230				495				653				4,378				960,924				965,302
Multi-family	629				2,487				207				3,323				936,730				940,053
SBA	6				—				314				320				44,798				45,118
Construction	—				—				—				—				38,081				38,081
Lease financing	1,033				64				663				1,760				100,252				102,012
Consumer:
Single family residential mortgage	17,453				2,765				15,574				35,792				557,227				593,019
Other consumer	1,150				96				—				1,246				165,111				166,357
Total traditional loans and leases	24,102				5,923				17,581				47,606				3,290,486				3,338,092
Purchased Credit Impaired (PCI) loans:
Commercial:
Commercial and industrial	736				—				—				736				343				1,079
Commercial real estate	—				—				1,055				1,055				9,377				10,432
SBA	668				8				616				1,292				1,844				3,136
Consumer:
Single family residential mortgage	11,863				3,100				5,315				20,278				206,873				227,151
Total PCI loans	13,267				3,108				6,986				23,361				218,437				241,798
Total	$	47,566			$	9,450			$	27,524			$	84,540			$	3,849,175			$	3,933,715

The following table presents the aging of the recorded investment in past due loans and leases as of December 31, 2014, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	December 31, 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	$	1,415			$	165			$	2,049			$	3,629			$	218,677			$	222,306
Green Loans (HELOC) - first liens	8,853				—				437				9,290				113,887				123,177
Green Loans (HELOC) - second liens	294				—				209				503				4,476				4,979
Other consumer	—				—				—				—				113				113
Total NTM loans	10,562				165				2,695				13,422				337,153				350,575
Traditional loans and leases:
Commercial:
Commercial and industrial	79				37				3,370				3,486				486,280				489,766
Commercial real estate	2,237				—				—				2,237				986,093				988,330
Multi-family	1,072				208				—				1,280				954,403				955,683
SBA	82				—				254				336				32,662				32,998
Construction	—				—				—				—				42,198				42,198
Lease financing	1,055				36				100				1,191				84,558				85,749
Consumer:
Single family residential mortgage	17,185				7,878				10,411				35,474				559,626				595,100
Other consumer	9				89				5				103				161,723				161,826
Total traditional loans and leases	21,719				8,248				14,140				44,107				3,307,543				3,351,650
PCI loans:
Commercial:
Commercial and industrial	—				—				—				—				1,134				1,134
Commercial real estate	—				—				951				951				10,576				11,527
SBA	878				—				300				1,178				1,979				3,157
Consumer:
Single family residential mortgage	13,262				3,501				4,510				21,273				209,806				231,079
Total PCI loans	14,140				3,501				5,761				23,402				223,495				246,897
Total	$	46,421			$	11,914			$	22,596			$	80,931			$	3,868,191			$	3,949,122

Troubled Debt Restructurings

For the three months ended March 31, 2015, there were 2 modifications through bankruptcy discharges. There were no modifications for the three ended March 31, 2014. The following table summarizes the pre-modification and post-modification balances of the new TDRs for the three months ended March 31, 2015 and 2014:

	Three Months Ended March 31,
	2015											2014
	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)
Consumer:
Single family residential mortgage	2			$	1,430			$	1,430			—			$	—			$	—
Total	2			$	1,430			$	1,430			—			$	—			$	—

For the three months ended March 31, 2015 and 2014, 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:

	March 31, 2015												December 31, 2014
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
Commercial real estate	$	—			$	—			$	—			$	—			$	—			$	—
SBA	—				9				9				—				6				6
Consumer:
Single family residential mortgage	—				4,543				4,543				—				4,269				4,269
Green Loans (HELOC) - first liens	4,549				—				4,549				3,442				—				3,442
Green Loans (HELOC) - second liens	294				—				294				294				—				294
Total	$	4,843			$	4,552			$	9,395			$	3,736			$	4,275			$	8,011

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:

	March 31, 2015								December 31, 2014
	Outstanding Balance				Carrying Amount				Outstanding Balance				Carrying Amount
	(In thousands)
Commercial:
Commercial and industrial	$	1,700			$	1,079			$	1,767			$	1,134
Commercial real estate	12,052				10,432				13,708				11,527
SBA	4,175				3,136				4,220				3,157
Consumer:
Single family residential mortgage	277,253				227,151				283,067				231,079
Total	$	295,180			$	241,798			$	302,762			$	246,897

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   March 31,
	2015				2014
	(In thousands)
Balance at beginning of period	$	92,301			$	126,336
New loans or leases purchased	—				—
Accretion of income	(5,048		)		(7,169		)
Changes in expected cash flows	(25		)		131
Disposals	(1,933		)		(10,950		)
Balance at end of period	$	85,295			$	108,348

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