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

12 Months Ended

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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