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LOANS AND LEASES AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables) | 12 Months Ended
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Dec. 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 |  | Traditional Loans |  | Total NTM and Traditional Loans |  | Purchased Credit Impaired |  | Total Loans and Leases Receivable
| ($ in thousands)
December 31, 2015 |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 876,146 |  |  | $ | 876,146 |  |  | $ | 853 |  |  | $ | 876,999 |
Commercial real estate | — |  |  | 718,108 |  |  | 718,108 |  |  | 9,599 |  |  | 727,707 |
Multi-family | — |  |  | 904,300 |  |  | 904,300 |  |  | — |  |  | 904,300 |
SBA | — |  |  | 54,657 |  |  | 54,657 |  |  | 3,049 |  |  | 57,706 |
Construction | — |  |  | 55,289 |  |  | 55,289 |  |  | — |  |  | 55,289 |
Lease financing | — |  |  | 192,424 |  |  | 192,424 |  |  | — |  |  | 192,424 |
Consumer: |  |  |  |  |  |  |  |  |
Single family residential mortgage | 675,960 |  |  | 775,263 |  |  | 1,451,223 |  |  | 699,230 |  |  | 2,150,453 |
Green Loans (HELOC) - first liens | 105,131 |  |  | — |  |  | 105,131 |  |  | — |  |  | 105,131 |
Green Loans (HELOC) - second liens | 4,704 |  |  | — |  |  | 4,704 |  |  | — |  |  | 4,704 |
Other consumer | 113 |  |  | 109,568 |  |  | 109,681 |  |  | — |  |  | 109,681 |
Total loans and leases | $ | 785,908 |  |  | $ | 3,685,755 |  |  | $ | 4,471,663 |  |  | $ | 712,731 |  |  | $ | 5,184,394 |
Percentage to total loans and leases | 15.2 | % |  | 71.1 | % |  | 86.3 | % |  | 13.7 | % |  | 100.0 | %
Allowance for loan and lease losses |  |  |  |  |  |  |  |  | (35,533 | )
Loans and leases receivable, net |  |  |  |  |  |  |  |  | $ | 5,148,861 |
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 loans and leases | $ | 350,575 |  |  | $ | 3,351,650 |  |  | $ | 3,702,225 |  |  | $ | 246,897 |  |  | $ | 3,949,122 |
Percentage to total 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:
| December 31,
| 2015 |  | 2014
| Count |  | Amount |  | Percent |  | Count |  | Amount |  | Percent
| ($ in thousands)
Green Loans (HELOC) - first liens | 121 |  |  | $ | 105,131 |  |  | 13.4 | % |  | 148 |  |  | $ | 123,177 |  |  | 35.1 | %
Interest only - first liens | 521 |  |  | 664,358 |  |  | 84.4 | % |  | 207 |  |  | 209,207 |  |  | 59.7 | %
Negative amortization | 30 |  |  | 11,602 |  |  | 1.5 | % |  | 32 |  |  | 13,099 |  |  | 3.7 | %
Total NTM - first liens | 672 |  |  | 781,091 |  |  | 99.3 | % |  | 387 |  |  | 345,483 |  |  | 98.5 | %
Green Loans (HELOC) - second liens | 16 |  |  | 4,704 |  |  | 0.6 | % |  | 19 |  |  | 4,979 |  |  | 1.4 | %
Interest only - second liens | 1 |  |  | 113 |  |  | 0.1 | % |  | 1 |  |  | 113 |  |  | 0.1 | %
Total NTM - second liens | 17 |  |  | 4,817 |  |  | 0.7 | % |  | 20 |  |  | 5,092 |  |  | 1.5 | %
Total NTM loans | 689 |  |  | 785,908 |  |  | 100.0 | % |  | 407 |  |  | 350,575 |  |  | 100.0 | %
Total loans and leases |  |  | $ | 5,184,394 |  |  |  |  |  |  | $ | 3,949,122 |  |  |
% of NTM to total loans and leases |  |  | 15.2 | % |  |  |  |  |  | 8.9 | % |  |
Risk Categories for Loans and Leases | The following table presents the Company’s NTM Green Loans first lien portfolio at December 31, 2015 by FICO scores that were obtained during the quarter ended December 31, 2015, comparing to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2014:
| December 31, 2015
| By FICO Scores Obtained During the Quarter Ended December 31, 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+ | 22 |  |  | $ | 14,438 |  |  | 13.7 | % |  | 24 |  |  | $ | 16,587 |  |  | 15.8 | % |  | (2 | ) |  | $ | (2,149 | ) |  | (2.1 | )%
700-799 | 60 |  |  | 48,775 |  |  | 46.5 | % |  | 58 |  |  | 44,678 |  |  | 42.5 | % |  | 2 |  |  | 4,097 |  |  | 4.0 | %
600-699 | 23 |  |  | 23,600 |  |  | 22.4 | % |  | 24 |  |  | 26,768 |  |  | 25.5 | % |  | (1 | ) |  | (3,168 | ) |  | (3.1 | )%
<600 | 5 |  |  | 4,030 |  |  | 3.8 | % |  | 8 |  |  | 11,817 |  |  | 11.2 | % |  | (3 | ) |  | (7,787 | ) |  | (7.4 | )%
No FICO score | 11 |  |  | 14,288 |  |  | 13.6 | % |  | 7 |  |  | 5,281 |  |  | 5.0 | % |  | 4 |  |  | 9,007 |  |  | 8.6 | %
Totals | 121 |  |  | $ | 105,131 |  |  | 100.0 | % |  | 121 |  |  | $ | 105,131 |  |  | 100.0 | % |  | — |  |  | $ | — |  |  | — | %
The table below represents the Company’s single family residential NTM first lien portfolio by LTV ratios 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)
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
< 61 | 70 |  |  | $ | 51,221 |  |  | 48.7 | % |  | 141 |  |  | $ | 208,120 |  |  | 31.3 | % |  | 17 |  |  | $ | 5,271 |  |  | 45.4 | % |  | 228 |  |  | $ | 264,612 |  |  | 33.9 | %
61-80 | 33 |  |  | 42,075 |  |  | 40.0 | % |  | 291 |  |  | 408,662 |  |  | 61.6 | % |  | 12 |  |  | 6,106 |  |  | 52.7 | % |  | 336 |  |  | 456,843 |  |  | 58.4 | %
81-100 | 12 |  |  | 6,836 |  |  | 6.5 | % |  | 37 |  |  | 30,167 |  |  | 4.5 | % |  | 1 |  |  | 225 |  |  | 1.9 | % |  | 50 |  |  | 37,228 |  |  | 4.8 | %
> 100 | 6 |  |  | 4,999 |  |  | 4.8 | % |  | 52 |  |  | 17,409 |  |  | 2.6 | % |  | — |  |  | — |  |  | — | % |  | 58 |  |  | 22,408 |  |  | 2.9 | %
Total | 121 |  |  | $ | 105,131 |  |  | 100.0 | % |  | 521 |  |  | $ | 664,358 |  |  | 100.0 | % |  | 30 |  |  | $ | 11,602 |  |  | 100.0 | % |  | 672 |  |  | $ | 781,091 |  |  | 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 | %
The following table presents the risk categories for loans and leases as of December 31, 2015:
| December 31, 2015
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Not-Rated |  | Total
| (In thousands)
NTM loans: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | $ | 660,683 |  |  | $ | 11,731 |  |  | $ | 3,546 |  |  | $ | — |  |  | $ | — |  |  | $ | 675,960 |
Green Loans (HELOC) - first liens | 87,967 |  |  | 2,329 |  |  | 14,835 |  |  | — |  |  | — |  |  | 105,131 |
Green Loans (HELOC) - second liens | 4,704 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,704 |
Other consumer | 113 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 113 |
Total NTM loans | 753,467 |  |  | 14,060 |  |  | 18,381 |  |  | — |  |  | — |  |  | 785,908 |
Traditional loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 860,993 |  |  | 3,175 |  |  | 11,978 |  |  | — |  |  | — |  |  | 876,146 |
Commercial real estate | 707,238 |  |  | 4,788 |  |  | 6,082 |  |  | — |  |  | — |  |  | 718,108 |
Multi-family | 901,578 |  |  | 403 |  |  | 2,319 |  |  | — |  |  | — |  |  | 904,300 |
SBA | 53,078 |  |  | 1,132 |  |  | 447 |  |  | — |  |  | — |  |  | 54,657 |
Construction | 55,289 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 55,289 |
Lease financing | 190,976 |  |  | — |  |  | 1,448 |  |  | — |  |  | — |  |  | 192,424 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 738,196 |  |  | 12,301 |  |  | 24,766 |  |  | — |  |  | — |  |  | 775,263 |
Other consumer | 109,206 |  |  | 148 |  |  | 214 |  |  | — |  |  | — |  |  | 109,568 |
Total traditional loans | 3,616,554 |  |  | 21,947 |  |  | 47,254 |  |  | — |  |  | — |  |  | 3,685,755 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 54 |  |  | — |  |  | 799 |  |  | — |  |  | — |  |  | 853 |
Commercial real estate | 5,621 |  |  | 523 |  |  | 3,455 |  |  | — |  |  | — |  |  | 9,599 |
SBA | 988 |  |  | — |  |  | 2,061 |  |  | — |  |  | — |  |  | 3,049 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | 139 |  |  | — |  |  | 699,091 |  |  | 699,230 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total PCI loans | 6,663 |  |  | 523 |  |  | 6,454 |  |  | — |  |  | 699,091 |  |  | 712,731 |
Total | $ | 4,376,684 |  |  | $ | 36,530 |  |  | $ | 72,089 |  |  | $ | — |  |  | $ | 699,091 |  |  | $ | 5,184,394 |
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: |  |  |  |  |  |  |  |  |  |  |
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 | 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 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
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:
| Year Ended December 31,
2015 |  | 2014 |  | 2013
| (In thousands)
Balance at beginning of year | $ | 29,480 |  |  | $ | 18,805 |  |  | $ | 14,448 |
Loans and leases charged-off | (1,942 | ) |  | (923 | ) |  | (3,013 | )
Recoveries of loans and leases previously charged off | 526 |  |  | 1,235 |  |  | 850 |
Transfer of loans to held-for-sale | — |  |  | (613 | ) |  | (1,443 | )
Provision for loan and lease losses | 7,469 |  |  | 10,976 |  |  | 7,963 |
Balance at end of year | $ | 35,533 |  |  | $ | 29,480 |  |  | $ | 18,805 |
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 year ended December 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 | (33 | ) |  | (259 | ) |  | — |  |  | (106 | ) |  | — |  |  | (1,541 | ) |  | — |  |  | (3 | ) |  | — |  |  | (1,942 | )
Recoveries | 8 |  |  | 132 |  |  | 3 |  |  | 288 |  |  | — |  |  | 79 |  |  | — |  |  | 16 |  |  | — |  |  | 526 |
Provision | (1,035 | ) |  | 539 |  |  | (1,170 | ) |  | 166 |  |  | 684 |  |  | 2,784 |  |  | 6,662 |  |  | (1,161 | ) |  | — |  |  | 7,469 |
Balance at December 31, 2015 | $ | 5,850 |  |  | $ | 4,252 |  |  | $ | 6,012 |  |  | $ | 683 |  |  | $ | 1,530 |  |  | $ | 2,195 |  |  | $ | 13,854 |  |  | $ | 1,157 |  |  | $ | — |  |  | $ | 35,533 |
Individually evaluated for impairment | $ | 38 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 331 |  |  | $ | — |  |  | $ | — |  |  | $ | 369 |
Collectively evaluated for impairment | 5,754 |  |  | 4,140 |  |  | 6,012 |  |  | 664 |  |  | 1,530 |  |  | 2,195 |  |  | 13,506 |  |  | 1,157 |  |  | — |  |  | 34,958 |
Acquired with deteriorated credit quality | 58 |  |  | 112 |  |  | — |  |  | 19 |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | — |  |  | 206 |
Total ending allowance balance | $ | 5,850 |  |  | $ | 4,252 |  |  | $ | 6,012 |  |  | $ | 683 |  |  | $ | 1,530 |  |  | $ | 2,195 |  |  | $ | 13,854 |  |  | $ | 1,157 |  |  | $ | — |  |  | $ | 35,533 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,159 |  |  | $ | 312 |  |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 26,256 |  |  | $ | 553 |  |  | $ | — |  |  | $ | 34,283 |
Collectively evaluated for impairment | 868,987 |  |  | 717,796 |  |  | 904,300 |  |  | 54,654 |  |  | 55,289 |  |  | 192,424 |  |  | 1,530,098 |  |  | 113,832 |  |  | — |  |  | 4,437,380 |
Acquired with deteriorated credit quality | 853 |  |  | 9,599 |  |  | — |  |  | 3,049 |  |  | — |  |  | — |  |  | 699,230 |  |  | — |  |  | — |  |  | 712,731 |
Total ending loan balances | $ | 876,999 |  |  | $ | 727,707 |  |  | $ | 904,300 |  |  | $ | 57,706 |  |  | $ | 55,289 |  |  | $ | 192,424 |  |  | $ | 2,255,584 |  |  | $ | 114,385 |  |  | $ | — |  |  | $ | 5,184,394 |
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 year ended December 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 | — |  |  | (65 | ) |  | (3 | ) |  | (17 | ) |  | — |  |  | (244 | ) |  | (374 | ) |  | (220 | ) |  | — |  |  | (923 | )
Recoveries | 56 |  |  | 842 |  |  | — |  |  | 314 |  |  | — |  |  | 20 |  |  | — |  |  | 3 |  |  | — |  |  | 1,235 |
Transfer of loans to held-for-sale | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (613 | ) |  | — |  |  | — |  |  | (613 | )
Provision | 5,032 |  |  | (2,421 | ) |  | 4,616 |  |  | (197 | ) |  | 602 |  |  | 669 |  |  | 1,135 |  |  | 1,990 |  |  | (450 | ) |  | 10,976 |
Balance at December 31, 2014 | $ | 6,910 |  |  | $ | 3,840 |  |  | $ | 7,179 |  |  | $ | 335 |  |  | $ | 846 |  |  | $ | 873 |  |  | $ | 7,192 |  |  | $ | 2,305 |  |  | $ | — |  |  | $ | 29,480 |
Individually evaluated for impairment | $ | 788 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 500 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,288 |
Collectively evaluated for impairment | 6,122 |  |  | 3,834 |  |  | 7,179 |  |  | 335 |  |  | 846 |  |  | 873 |  |  | 6,675 |  |  | 2,305 |  |  | — |  |  | 28,169 |
Acquired with deteriorated credit quality | — |  |  | 6 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | — |  |  | 23 |
Total ending allowance balance | $ | 6,910 |  |  | $ | 3,840 |  |  | $ | 7,179 |  |  | $ | 335 |  |  | $ | 846 |  |  | $ | 873 |  |  | $ | 7,192 |  |  | $ | 2,305 |  |  | $ | — |  |  | $ | 29,480 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 9,021 |  |  | $ | 1,017 |  |  | $ | 1,594 |  |  | $ | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | 21,337 |  |  | $ | 503 |  |  | $ | — |  |  | $ | 33,478 |
Collectively evaluated for impairment | 480,745 |  |  | 987,313 |  |  | 954,089 |  |  | 32,992 |  |  | 42,198 |  |  | 85,749 |  |  | 919,246 |  |  | 166,415 |  |  | — |  |  | 3,668,747 |
Acquired with deteriorated credit quality | 1,134 |  |  | 11,527 |  |  | — |  |  | 3,157 |  |  | — |  |  | — |  |  | 231,079 |  |  | — |  |  | — |  |  | 246,897 |
Total ending loan balances | $ | 490,900 |  |  | $ | 999,857 |  |  | $ | 955,683 |  |  | $ | 36,155 |  |  | $ | 42,198 |  |  | $ | 85,749 |  |  | $ | 1,171,662 |  |  | $ | 166,918 |  |  | $ | — |  |  | $ | 3,949,122 |
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.
| December 31,
| 2015 |  | 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 | $ | 6,244 |  |  | $ | 6,086 |  |  | $ | — |  |  | $ | 4,803 |  |  | $ | 4,708 |  |  | $ | — |
Commercial real estate | 1,200 |  |  | 312 |  |  | — |  |  | 1,910 |  |  | 1,017 |  |  | — |
Multi-family | — |  |  | — |  |  | — |  |  | 1,747 |  |  | 1,594 |  |  | — |
SBA | 22 |  |  | 3 |  |  | — |  |  | 24 |  |  | 6 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 24,224 |  |  | 22,671 |  |  | — |  |  | 15,729 |  |  | 15,131 |  |  | — |
Other consumer | 553 |  |  | 553 |  |  | — |  |  | 507 |  |  | 503 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1,072 |  |  | 1,073 |  |  | 38 |  |  | 4,310 |  |  | 4,313 |  |  | 788 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 3,575 |  |  | 3,585 |  |  | 331 |  |  | 6,422 |  |  | 6,206 |  |  | 500 |
Total | $ | 36,890 |  |  | $ | 34,283 |  |  | $ | 369 |  |  | $ | 35,452 |  |  | $ | 33,478 |  |  | $ | 1,288 |
The following table presents information on impaired loans and leases, disaggregated by class, for the periods indicated:
| Year Ended
| Average Recorded Investment |  | Interest Income Recognized |  | Cash Basis Interest Recognized
| (In thousands)
December 31, 2015 |  |  |  |  |
Commercial: |  |  |  |  |
Commercial and industrial | $ | 6,750 |  |  | $ | 305 |  |  | $ | 302 |
Commercial real estate | 353 |  |  | 37 |  |  | 37 |
Multi-family | 395 |  |  | 13 |  |  | 15 |
SBA | 7 |  |  | 2 |  |  | — |
Consumer: |  |  |  |  |
Single family residential mortgage | 25,093 |  |  | 869 |  |  | 885 |
Other consumer | 424 |  |  | 12 |  |  | 13 |
Total | $ | 33,022 |  |  | $ | 1,238 |  |  | $ | 1,252 |
December 31, 2014 |  |  |  |  |
Commercial: |  |  |  |  |
Commercial and industrial | $ | 4,166 |  |  | $ | 92 |  |  | $ | 133 |
Commercial real estate | 2,865 |  |  | 110 |  |  | 125 |
Multi-family | 1,653 |  |  | 43 |  |  | 43 |
SBA | 3 |  |  | — |  |  | — |
Consumer: |  |  |  |  |
Single family residential mortgage | 16,285 |  |  | 390 |  |  | 405 |
Other consumer | 580 |  |  | 25 |  |  | 24 |
Total | $ | 25,552 |  |  | $ | 660 |  |  | $ | 730 |
December 31, 2013 |  |  |  |  |
Commercial: |  |  |  |  |
Commercial and industrial | $ | 67 |  |  | $ | 10 |  |  | $ | 10 |
Commercial real estate | 3,554 |  |  | 163 |  |  | 171 |
Multi-family | 1,345 |  |  | 35 |  |  | 37 |
SBA | 12 |  |  | 1 |  |  | 1 |
Consumer: |  |  |  |  |
Single family residential mortgage | 12,562 |  |  | 304 |  |  | 308 |
Other consumer | 693 |  |  | 2 |  |  | 2 |
Total | $ | 18,233 |  |  | $ | 515 |  |  | $ | 529 |
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:
| December 31,
| 2015 |  | 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: |  |  |  |  |  |  |  |  |  |  |
The Company maintains specific allowances for these loans of $0 in 2015 and $478 in 2014 | 14,703 |  |  | 30,426 |  |  | 45,129 |  |  | 14,592 |  |  | 23,789 |  |  | 38,381 |
The following table presents the composition of nonaccrual loans and leases as of the dates indicated:
| December 31,
| 2015 |  | 2014
| NTM Loans |  | Traditional Loans |  | Total |  | NTM Loans |  | Traditional Loans |  | Total
| (In thousands)
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 4,383 |  |  | $ | 4,383 |  |  | $ | — |  |  | $ | 7,143 |  |  | $ | 7,143 |
Commercial real estate | — |  |  | 1,552 |  |  | 1,552 |  |  | — |  |  | 1,017 |  |  | 1,017 |
Multi-family | — |  |  | 642 |  |  | 642 |  |  | — |  |  | 1,834 |  |  | 1,834 |
SBA | — |  |  | 422 |  |  | 422 |  |  | — |  |  | 285 |  |  | 285 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Lease financing | — |  |  | 598 |  |  | 598 |  |  | — |  |  | 100 |  |  | 100 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 4,615 |  |  | 22,615 |  |  | 27,230 |  |  | 2,049 |  |  | 13,370 |  |  | 15,419 |
Green Loans (HELOC) - first liens | 10,088 |  |  | — |  |  | 10,088 |  |  | 12,334 |  |  | — |  |  | 12,334 |
Green Loans (HELOC) - second liens | — |  |  | — |  |  | — |  |  | 209 |  |  | — |  |  | 209 |
Other consumer | — |  |  | 214 |  |  | 214 |  |  | — |  |  | 40 |  |  | 40 |
Total nonaccrual loans and leases | $ | 14,703 |  |  | $ | 30,426 |  |  | $ | 45,129 |  |  | $ | 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 December 31, 2015, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:
| December 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 | $ | 3,935 |  |  | $ | — |  |  | $ | 3,447 |  |  | $ | 7,382 |  |  | $ | 668,578 |  |  | $ | 675,960 |
Green Loans (HELOC) - first liens | 7,913 |  |  | — |  |  | — |  |  | 7,913 |  |  | 97,218 |  |  | 105,131 |
Green Loans (HELOC) - second liens | — |  |  | — |  |  | — |  |  | — |  |  | 4,704 |  |  | 4,704 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | 113 |  |  | 113 |
Total NTM loans | 11,848 |  |  | — |  |  | 3,447 |  |  | 15,295 |  |  | 770,613 |  |  | 785,908 |
Traditional loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 23 |  |  | 4,984 |  |  | 544 |  |  | 5,551 |  |  | 870,595 |  |  | 876,146 |
Commercial real estate | — |  |  | — |  |  | 911 |  |  | 911 |  |  | 717,197 |  |  | 718,108 |
Multi-family | 223 |  |  | — |  |  | 432 |  |  | 655 |  |  | 903,645 |  |  | 904,300 |
SBA | — |  |  | 162 |  |  | 173 |  |  | 335 |  |  | 54,322 |  |  | 54,657 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 55,289 |  |  | 55,289 |
Lease financing | 2,005 |  |  | 1,041 |  |  | 394 |  |  | 3,440 |  |  | 188,984 |  |  | 192,424 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 15,762 |  |  | 3,887 |  |  | 17,226 |  |  | 36,875 |  |  | 738,388 |  |  | 775,263 |
Other consumer | — |  |  | 11 |  |  | 211 |  |  | 222 |  |  | 109,346 |  |  | 109,568 |
Total traditional loans | 18,013 |  |  | 10,085 |  |  | 19,891 |  |  | 47,989 |  |  | 3,637,766 |  |  | 3,685,755 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | — |  |  | 176 |  |  | 176 |  |  | 677 |  |  | 853 |
Commercial real estate | — |  |  | — |  |  | 1,425 |  |  | 1,425 |  |  | 8,174 |  |  | 9,599 |
SBA | 386 |  |  | 163 |  |  | 621 |  |  | 1,170 |  |  | 1,879 |  |  | 3,049 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 33,507 |  |  | 6,235 |  |  | 4,672 |  |  | 44,414 |  |  | 654,816 |  |  | 699,230 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total PCI loans | 33,893 |  |  | 6,398 |  |  | 6,894 |  |  | 47,185 |  |  | 665,546 |  |  | 712,731 |
Total | $ | 63,754 |  |  | $ | 16,483 |  |  | $ | 30,232 |  |  | $ | 110,469 |  |  | $ | 5,073,925 |  |  | $ | 5,184,394 |
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: |  |  |  |  |  |  |  |  |  |  |
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 | 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 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
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 | The following table summarizes the pre-modification and post-modification balances of the new TDRs for the periods indicated:
| Year Ended
| Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
| ($ in thousands)
December 31, 2015 |  |  |  |  |
Consumer: |  |  |  |  |
Single family residential mortgage | 13 |  |  | 4,571 |  |  | 4,493 |
Other consumer | 1 |  |  | 261 |  |  | 259 |
Total | 14 |  |  | $ | 4,832 |  |  | $ | 4,752 |
December 31, 2014 |  |  |  |  |
Consumer: |  |  |  |  |
Single family residential mortgage | 5 |  |  | 1,245 |  |  | 1,229 |
Other consumer | 1 |  |  | 294 |  |  | 294 |
Total | 6 |  |  | $ | 1,539 |  |  | $ | 1,523 |
December 31, 2013 |  |  |  |  |
Consumer: |  |  |  |  |
Other consumer | 2 |  |  | 435 |  |  | 435 |
Total | 2 |  |  | $ | 435 |  |  | $ | 435 |
For the years ended December 31, 2015, 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:
| December 31,
| 2015 |  | 2014
| NTM Loans |  | Traditional Loans |  | Total |  | NTM Loans |  | Traditional Loans |  | Total
| (In thousands)
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
SBA | — |  |  | 3 |  |  | 3 |  |  | — |  |  | 6 |  |  | 6 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 1,015 |  |  | 5,841 |  |  | 6,856 |  |  | — |  |  | 4,269 |  |  | 4,269 |
Green Loans (HELOC) - first liens | 2,400 |  |  | — |  |  | 2,400 |  |  | 3,442 |  |  | — |  |  | 3,442 |
Green Loans (HELOC) - second liens | 553 |  |  | — |  |  | 553 |  |  | 294 |  |  | — |  |  | 294 |
Total | $ | 3,968 |  |  | $ | 5,844 |  |  | $ | 9,812 |  |  | $ | 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:
| December 31,
| 2015 |  | 2014
Outstanding Balance |  | Carrying Amount |  | Outstanding Balance |  | Carrying Amount
| (In thousands)
Commercial: |  |  |  |  |  |  |
Commercial and industrial | $ | 1,001 |  |  | $ | 853 |  |  | $ | 1,767 |  |  | $ | 1,134 |
Commercial real estate | 11,255 |  |  | 9,599 |  |  | 13,708 |  |  | 11,527 |
SBA | 4,033 |  |  | 3,049 |  |  | 4,220 |  |  | 3,157 |
Consumer: |  |  |  |  |  |  |
Single family residential mortgage | 764,814 |  |  | 699,230 |  |  | 283,067 |  |  | 231,079 |
Total | $ | 781,103 |  |  | $ | 712,731 |  |  | $ | 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:
| Year Ended December 31,
2015 |  | 2014 |  | 2013
| (In thousands)
Balance at beginning of year | $ | 92,301 |  |  | $ | 126,336 |  |  | $ | 32,206 |
New loans or leases purchased | 138,046 |  |  | — |  |  | 155,416 |
Accretion of income | (23,441 | ) |  | (25,335 | ) |  | (19,177 | )
Increase (decrease) in expected cash flows | 19,852 |  |  | 29,267 |  |  | (17,358 | )
Disposals | (21,209 | ) |  | (37,967 | ) |  | (24,751 | )
Balance at end of year | $ | 205,549 |  |  | $ | 92,301 |  |  | $ | 126,336 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period | The following table presents loans and leases purchased and acquired through business acquisitions at acquisition dates for which it was probable at acquisition that all contractually required payments would not be collected for the periods indicated:
| Year Ended December 31,
2015 |  | 2014 |  | 2013
| (In thousands)
Commercial: |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | 2,721 |
Commercial real estate | — |  |  | — |  |  | 3,226 |
Construction | — |  |  | — |  |  | 4,333 |
Consumer: |  |  |  |  |
Single family residential mortgage | 571,245 |  |  | — |  |  | 473,942 |
Other consumer | — |  |  | — |  |  | 844 |
Outstanding unpaid principal balance at acquisition | $ | 571,245 |  |  | $ | — |  |  | $ | 485,066 |
Cash flows expected to be collected at acquisitions | $ | 667,224 |  |  | $ | — |  |  | $ | 504,197 |
Fair value of acquired loans at acquisition | 529,178 |  |  | — |  |  | 348,569 |
Schedule of Financing Receivables, Purchases and Sales | The following table presents loans and leases purchased and/or sold by portfolio segment, excluding loans held-for-sale, loans and leases acquired in business combinations and PCI loans for the periods indicated:
| Year Ended December 31,
2015 |  | 2014 |  | 2013
Purchases |  | Sales |  | Purchases |  | Sales |  | Purchases |  | Sales
| (In thousands)
Commercial: |  |  |  |  |  |  |  |  |  |  |
Multi-family | $ | — |  |  | $ | 242,580 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
SBA | — |  |  | 3,599 |  |  | — |  |  | 7,838 |  |  | — |  |  | 2,507 |
Lease financing | 127,043 |  |  | — |  |  | 38,572 |  |  | — |  |  | 7,850 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 49,488 |  |  | 165,915 |  |  | — |  |  | 82,552 |  |  | 507,736 |  |  | 186,140 |
Total | $ | 176,531 |  |  | $ | 412,094 |  |  | $ | 38,572 |  |  | $ | 90,390 |  |  | $ | 515,586 |  |  | $ | 188,647 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524 + Details
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