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

9 Months Ended

Sep. 30, 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 (PCI) Loans				Total Loans  and Leases Receivable
	($ in thousands)
September 30, 2015
Commercial:
Commercial and industrial	$	—			$	822,234			$	822,234			$	456			$	822,690
Commercial real estate	—				680,372				680,372				10,490				690,862
Multi-family	—				823,415				823,415				—				823,415
SBA	—				49,862				49,862				3,123				52,985
Construction	—				39,475				39,475				—				39,475
Lease financing	—				162,504				162,504				—				162,504
Consumer:
Single family residential mortgage	642,410				900,478				1,542,888				358,488				1,901,376
Green Loans (HELOC) - first liens	112,074				—				112,074				—				112,074
Green Loans (HELOC) - second liens	4,681				—				4,681				—				4,681
Other consumer	113				119,902				120,015				—				120,015
Total gross loans and leases	$	759,278			$	3,598,242			$	4,357,520			$	372,557			$	4,730,077
Percentage to total gross loans and leases	16.1		%		76.1		%		92.2		%		7.8		%		100.0		%
Allowance for loan and lease losses																	(34,774		)
Loans and leases receivable, net																	$	4,695,303
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:

	September 30, 2015										December 31, 2014
	Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
Green Loans (HELOC) - first liens	135			$	112,074			14.8	%		148			$	123,177			35.1	%
Interest-only - first liens	509			630,420				82.9	%		207			209,207				59.7	%
Negative amortization	31			11,990				1.6	%		32			13,099				3.7	%
Total NTM - first liens	675			754,484				99.3	%		387			345,483				98.5	%
Green Loans (HELOC) - second liens	16			4,681				0.6	%		19			4,979				1.4	%
Interest-only - second liens	1			113				0.1	%		1			113				0.1	%
Total NTM - second liens	17			4,794				0.7	%		20			5,092				1.5	%
Total NTM loans	692			$	759,278			100.0	%		407			$	350,575			100.0	%
Total gross loan portfolio				$	4,730,077									$	3,949,122
% of NTM to total gross loan portfolio				16.1		%								8.9		%

Risk Categories for Loans and Leases

The following table presents the Company’s NTM Green Loans first lien portfolio at September 30, 2015 by FICO scores that were obtained during the quarter ended June 30, 2015, comparing to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2014:

	September 30, 2015
	By FICO Scores Obtained During the Quarter Ended June 30, 2015										By FICO Scores Obtained During the Quarter Ended December 31, 2014										Change
	Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
FICO Score
800+	23			$	15,178			13.5	%		28			$	19,338			17.3	%		(5	)		$	(4,160	)		(3.8	)%
700-799	69			54,896				49.0	%		65			47,770				42.5	%		4			7,126				6.5	%
600-699	25			18,198				16.2	%		26			27,575				24.6	%		(1	)		(9,377		)		(8.4	)%
<600	7			7,815				7.0	%		8			11,836				10.6	%		(1	)		(4,021		)		(3.6	)%
No FICO	11			15,987				14.3	%		8			5,555				5.0	%		3			10,432				9.3	%
Totals	135			$	112,074			100.0	%		135			$	112,074			100.0	%		—			$	—			—	%

The table below presents the Company’s single family residential NTM first lien portfolio by loan-to-value ratio (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)
September 30, 2015
< 61%	57			$	32,541			29.0	%		129			$	195,272			31.0	%		17			$	5,330			44.5	%		203			$	233,143			30.8	%
61-80%	43			39,210				35.0	%		292			402,223				63.8	%		10			5,683				47.4	%		345			447,116				59.3	%
81-100%	19			16,839				15.0	%		33			15,241				2.4	%		4			977				8.1	%		56			33,057				4.4	%
> 100%	16			23,484				21.0	%		55			17,684				2.8	%		—			—				—	%		71			41,168				5.5	%
Total	135			$	112,074			100.0	%		509			$	630,420			100.0	%		31			$	11,990			100.0	%		675			$	754,484			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 September 30, 2015:

	September 30, 2015
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	627,232			$	11,634			$	3,544			$	—			$	—			$	642,410
Green Loans (HELOC) - first liens	94,549				2,329				15,196				—				—				112,074
Green Loans (HELOC) - second liens	4,681				—				—				—				—				4,681
Other consumer	113				—				—				—				—				113
Total NTM loans	726,575				13,963				18,740				—				—				759,278
Traditional loans and leases:
Commercial:
Commercial and industrial	803,562				3,188				15,484				—				—				822,234
Commercial real estate	666,013				6,282				8,077				—				—				680,372
Multi-family	819,118				1,029				3,268				—				—				823,415
SBA	48,956				—				906				—				—				49,862
Construction	39,475				—				—				—				—				39,475
Lease financing	161,619				—				561				324				—				162,504
Consumer:
Single family residential mortgage	862,454				13,477				24,547				—				—				900,478
Other consumer	119,620				151				131				—				—				119,902
Total traditional loans and leases	3,520,817				24,127				52,974				324				—				3,598,242
PCI loans:
Commercial:
Commercial and industrial	67				—				389				—				—				456
Commercial real estate	5,645				527				4,318				—				—				10,490
SBA	999				—				2,124				—				—				3,123
Consumer:
Single family residential mortgage	—				—				141				—				358,347				358,488
Total PCI loans	6,711				527				6,972				—				358,347				372,557
Total	$	4,254,103			$	38,617			$	78,686			$	324			$	358,347			$	4,730,077

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 September 30,								Nine Months Ended September 30,
	2015				2014				2015				2014
	(In thousands)
Balance at beginning of period	$	34,787			$	22,627			$	29,480			$	18,805
Loans and leases charged off	(788		)		(312		)		(1,224		)		(898		)
Recoveries of loans and leases previously charged off	40				96				309				1,172
Transfer of loans from (to) held-for-sale	—				92				—				(613		)
Provision for loan and lease losses	735				2,780				6,209				6,817
Balance at end of period	$	34,774			$	25,283			$	34,774			$	25,283

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, 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 June 30, 2015	$	6,884			$	4,445			$	3,680			$	674			$	579			$	1,646			$	12,950			$	1,686			$	2,243			$	34,787
Charge-offs	—				—				—				(29		)		—				(759		)		—				—				—				(788		)
Recoveries	—				—				—				40				—				—				—				—				—				40
Provision	(904		)		(526		)		2,030				(70		)		612				1,196				1,051				(411		)		(2,243		)		735
Balance at September 30, 2015	$	5,980			$	3,919			$	5,710			$	615			$	1,191			$	2,083			$	14,001			$	1,275			$	—			$	34,774
Balance at December 31, 2014	$	6,910			$	3,840			$	7,179			$	335			$	846			$	873			$	7,192			$	2,305			$	—			$	29,480
Charge-offs	(33		)		(259		)		—				(84		)		—				(848		)		—				—				—				(1,224		)
Recoveries	8				132				3				153				—				—				—				13				—				309
Provision	(905		)		206				(1,472		)		211				345				2,058				6,809				(1,043		)		—				6,209
Balance at September 30, 2015	$	5,980			$	3,919			$	5,710			$	615			$	1,191			$	2,083			$	14,001			$	1,275			$	—			$	34,774
Individually evaluated for impairment	$	76			$	—			$	—			$	—			$	—			$	—			$	436			$	—			$	—			$	512
Collectively evaluated for impairment	5,846				3,807				5,710				596				1,191				2,083				13,548				1,275				—				34,056
Acquired with deteriorated credit quality	58				112				—				19				—				—				17				—				—				206
Total ending allowance balance	$	5,980			$	3,919			$	5,710			$	615			$	1,191			$	2,083			$	14,001			$	1,275			$	—			$	34,774
Loans:
Individually evaluated for impairment	$	5,980			$	333			$	—			$	8			$	—			$	—			$	25,837			$	554			$	—			$	32,712
Collectively evaluated for impairment	816,254				680,039				823,415				49,854				39,475				162,504				1,629,125				124,142				—				4,324,808
Acquired with deteriorated credit quality	456				10,490				—				3,123				—				—				358,488				—				—				372,557
Total ending loan balances	$	822,690			$	690,862			$	823,415			$	52,985			$	39,475			$	162,504			$	2,013,450			$	124,696			$	—			$	4,730,077

The increase in ALLL on single family residential (SFR) mortgage loans for the nine months ended September 30, 2015 was mainly due to SFR mortgage loans transferred from held for sale of $476.9 million in the second quarter of 2015.

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 to 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

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, 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	$	4,899			$	4,824			$	—			$	4,803			$	4,708			$	—
Commercial real estate	1,210				333				—				1,910				1,017				—
Multi-family	—				—				—				1,747				1,594				—
SBA	21				8				—				24				6				—
Consumer:
Single family residential mortgage	23,291				21,861				—				15,729				15,131				—
Other consumer	554				554				—				507				503				—
With an allowance recorded:
Commercial:
Commercial and industrial	1,154				1,156				76				4,310				4,313				788
Consumer:
Single family residential mortgage	3,963				3,976				436				6,422				6,206				500
Total	$	35,092			$	32,712			$	512			$	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												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, 2015
Commercial:
Commercial and industrial	$	6,379			$	60			$	64			$	6,592			$	247			$	258
Commercial real estate	343				10				10				363				27				27
Multi-family	—				—				—				527				13				15
SBA	8				—				—				8				—				—
Consumer:
Single family residential mortgage	26,028				317				315				24,668				706				701
Other consumer	554				4				4				381				8				9
Total	$	33,312			$	391			$	393			$	32,539			$	1,001			$	1,010
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

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:

	September 30, 2015												December 31, 2014
	NTM Loans				Traditional Loans and Leases				Total				NTM Loans				Traditional Loans and Leases				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 $0 in 2015 and $478 in 2014	13,871				31,317				45,188				14,592				23,789				38,381

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

	September 30, 2015												December 31, 2014
	NTM Loans				Traditional Loans and Leases				Total				NTM Loans				Traditional Loans and Leases				Total
	(In thousands)
Commercial:
Commercial and industrial	$	—			$	5,060			$	5,060			$	—			$	7,143			$	7,143
Commercial real estate	—				1,315				1,315				—				1,017				1,017
Multi-family	—				657				657				—				1,834				1,834
SBA	—				448				448				—				285				285
Construction	—				—				—				—				—				—
Lease financing	—				984				984				—				100				100
Consumer:
Single family residential mortgage	3,713				22,721				26,434				2,049				13,370				15,419
Green Loans (HELOC) - first liens	10,158				—				10,158				12,334				—				12,334
Green Loans (HELOC) - second liens	—				—				—				209				—				209
Other consumer	—				132				132				—				40				40
Total nonaccrual loans and leases	$	13,871			$	31,317			$	45,188			$	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 September 30, 2015, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	September 30, 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	$	6,776			$	78			$	3,713			$	10,567			$	631,843			$	642,410
Green Loans (HELOC) - first liens	932				—				—				932				111,142				112,074
Green Loans (HELOC) - second liens	—				—				—				—				4,681				4,681
Other consumer	—				—				—				—				113				113
Total NTM loans	7,708				78				3,713				11,499				747,779				759,278
Traditional loans and leases:
Commercial:
Commercial and industrial	282				5				1,083				1,370				820,864				822,234
Commercial real estate	—				—				642				642				679,730				680,372
Multi-family	—				440				—				440				822,975				823,415
SBA	166				29				194				389				49,473				49,862
Construction	—				—				—				—				39,475				39,475
Lease financing	5,457				941				984				7,382				155,122				162,504
Consumer:
Single family residential mortgage	28,045				5,363				16,962				50,370				850,108				900,478
Other consumer	36				—				147				183				119,719				119,902
Total traditional loans and leases	33,986				6,778				20,012				60,776				3,537,466				3,598,242
PCI loans
Commercial:
Commercial and industrial	—				—				182				182				274				456
Commercial real estate	—				—				691				691				9,799				10,490
SBA	360				—				805				1,165				1,958				3,123
Consumer:
Single family residential mortgage	11,417				5,816				4,545				21,778				336,710				358,488
Total PCI loans	11,777				5,816				6,223				23,816				348,741				372,557
Total	$	53,471			$	12,672			$	29,948			$	96,091			$	4,633,986			$	4,730,077

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 nine months ended September 30, 2015, there were 15 modifications through bankruptcy discharges. There was one modification through bankruptcy discharge for the three and nine months ended September 30, 2014. The following table summarizes the pre-modification and post-modification balances of the new TDRs for the three and nine months ended September 30, 2015:

	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, 2015
Consumer:
Single family residential mortgage	12			$	4,258			$	4,205			14			$	5,688			$	5,635
Other consumer	1			$	261			$	260			1			$	261			$	260
Total	13			$	4,519			$	4,465			15			$	5,949			$	5,895
September 30, 2014
Consumer:
Single family residential mortgage	1			$	236			$	233			1			$	236			$	233
Total	1			$	236			$	233			1			$	236			$	233

For the three and nine months ended September 30, 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.

TDR loans and leases consist of the following as of the dates indicated:

	September 30, 2015												December 31, 2014
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
Commercial real estate	$	—			$	—			$	—			$	—			$	—			$	—
SBA	—				8				8				—				6				6
Consumer:
Single family residential mortgage	1,028				7,402				8,430				—				4,269				4,269
Green Loans (HELOC) - first liens	2,403				—				2,403				3,442				—				3,442
Green Loans (HELOC) - second liens	554				—				554				294				—				294
Total	$	3,985			$	7,410			$	11,395			$	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:

	September 30, 2015								December 31, 2014
	Outstanding Balance				Carrying Amount				Outstanding Balance				Carrying Amount
	(In thousands)
Commercial:
Commercial and industrial	$	549			$	456			$	1,767			$	1,134
Commercial real estate	12,334				10,490				13,708				11,527
SBA	4,100				3,123				4,220				3,157
Consumer:
Single family residential mortgage	396,855				358,488				283,067				231,079
Total	$	413,838			$	372,557			$	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 September 30,								Nine Months Ended September 30,
	2015				2014				2015				2014
	(In thousands)
Balance at beginning of period	$	84,871			$	126,842			$	92,301			$	126,336
New loans or leases purchased	30,066				—				36,397				—
Accretion of income	(5,745		)		(6,534		)		(15,761		)		(20,318		)
Changes in expected cash flows	(134		)		(834		)		(287		)		26,892
Disposals	(12,307		)		(23,041		)		(15,899		)		(36,477		)
Balance at end of period	$	96,751			$	96,433			$	96,751			$	96,433

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