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

6 Months Ended

Jun. 30, 2016

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				PCI Loans				Total Loans and Leases Receivable
	($ in thousands)
June 30, 2016
Commercial:
Commercial and industrial	$	—			$	1,301,956			$	1,301,956			$	4,910			$	1,306,866
Commercial real estate	—				721,781				721,781				3,326				725,107
Multi-family	—				1,147,597				1,147,597				—				1,147,597
SBA	—				62,634				62,634				2,843				65,477
Construction	—				86,852				86,852				—				86,852
Lease financing	—				228,663				228,663				—				228,663
Consumer:
Single family residential mortgage	738,716				976,843				1,715,559				740,165				2,455,724
Green Loans (HELOC) - first liens	99,620				—				99,620				—				99,620
Green Loans (HELOC) - second liens	4,298				—				4,298				—				4,298
Other consumer	—				115,911				115,911				—				115,911
Total loans and leases	$	842,634			$	4,642,237			$	5,484,871			$	751,244			$	6,236,115
Allowance for loan and lease losses																	(37,483		)
Loans and leases receivable, net																	$	6,198,632
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
Allowance for loan and lease losses																	(35,533		)
Loans and leases receivable, net																	$	5,148,861

Non Traditional Mortgages Portfolio

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

	June 30, 2016										December 31, 2015
	Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
Green Loans (HELOC) - first liens	116			$	99,620			11.8	%		121			$	105,131			13.4	%
Interest-only - first liens	540			727,527				86.4	%		521			664,358				84.4	%
Negative amortization	28			11,189				1.3	%		30			11,602				1.5	%
Total NTM - first liens	684			838,336				99.5	%		672			781,091				99.3	%
Green Loans (HELOC) - second liens	15			4,298				0.5	%		16			4,704				0.6	%
Interest-only - second liens	—			—				—	%		1			113				0.1	%
Total NTM - second liens	15			4,298				0.5	%		17			4,817				0.7	%
Total NTM loans	699			$	842,634			100.0	%		689			$	785,908			100.0	%
Total loans and leases				$	6,236,115									$	5,184,394
% of NTM to total loans and leases				13.5		%								15.2		%

Risk Categories for Loans and Leases

The following table presents the Company’s NTM Green Loans first lien portfolio at June 30, 2016 by FICO scores that were obtained during the quarter ended June 30, 2016, comparing to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2015:

	June 30, 2016
	By FICO Scores Obtained During the Quarter Ended June 30, 2016										By FICO Scores Obtained During the Quarter Ended December 31, 2015										Change
	Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
	($ in thousands)
FICO Score
800+	20			$	12,131			12.2	%		22			$	14,067			14.1	%		(2	)		$	(1,936	)		(1.9	)%
700-799	56			36,208				36.3	%		57			44,307				44.4	%		(1	)		(8,099		)		(8.1	)%
600-699	31			34,731				34.9	%		22			23,281				23.4	%		9			11,450				11.5	%
<600	4			4,079				4.1	%		5			4,050				4.1	%		(1	)		29				—	%
No FICO	5			12,471				12.5	%		10			13,915				14.0	%		(5	)		(1,444		)		(1.5	)%
Totals	116			$	99,620			100.0	%		116			$	99,620			100.0	%		—			$	—			—	%

The table below presents the Company’s SFR 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)
June 30, 2016
< 61%	56			$	40,480			40.6	%		183			$	299,757			41.2	%		19			$	5,148			46.0	%		258			$	345,385			41.2	%
61-80%	41			45,248				45.4	%		294			399,589				55.0	%		7			5,249				46.9	%		342			450,086				53.7	%
81-100%	15			11,948				12.0	%		30			14,843				2.0	%		2			792				7.1	%		47			27,583				3.3	%
> 100%	4			1,944				2.0	%		33			13,338				1.8	%		—			—				—	%		37			15,282				1.8	%
Total	116			$	99,620			100.0	%		540			$	727,527			100.0	%		28			$	11,189			100.0	%		684			$	838,336			100.0	%
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	%

The following table presents the risk categories for loans and leases as of June 30, 2016:

	June 30, 2016
	Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
	(In thousands)
NTM loans:
Single family residential mortgage	$	734,266			$	1,747			$	2,703			$	—			$	—			$	738,716
Green Loans (HELOC) - first liens	85,486				397				13,737				—				—				99,620
Green Loans (HELOC) - second liens	4,298				—				—				—				—				4,298
Other consumer	—				—				—				—				—				—
Total NTM loans	824,050				2,144				16,440				—				—				842,634
Traditional loans and leases:
Commercial:
Commercial and industrial	1,288,857				863				12,202				34				—				1,301,956
Commercial real estate	715,955				1,803				4,023				—				—				721,781
Multi-family	1,145,753				—				1,844				—				—				1,147,597
SBA	62,236				—				398				—				—				62,634
Construction	85,322				1,530				—				—				—				86,852
Lease financing	226,687				37				1,939				—				—				228,663
Consumer:
Single family residential mortgage	941,085				8,513				27,245				—				—				976,843
Other consumer	115,690				86				135				—				—				115,911
Total traditional loans and leases	4,581,585				12,832				47,786				34				—				4,642,237
PCI loans:
Commercial:
Commercial and industrial	27				4,127				756				—				—				4,910
Commercial real estate	—				514				2,812				—				—				3,326
SBA	972				—				1,871				—				—				2,843
Consumer:
Single family residential mortgage	—				—				131				—				740,034				740,165
Total PCI loans	999				4,641				5,570				—				740,034				751,244
Total	$	5,406,634			$	19,617			$	69,796			$	34			$	740,034			$	6,236,115

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 and leases:
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 and leases	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
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

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

The following table presents a summary of activity in the ALLL for the periods indicated:

	Three Months Ended								Six Months Ended
	June 30,								June 30,
	2016				2015				2016				2015
	(In thousands)
Balance at beginning of period	$	35,845			$	29,345			$	35,533			$	29,480
Loans and leases charged off	(772		)		(79		)		(874		)		(436		)
Recoveries of loans and leases previously charged off	641				47				734				269
Provision for loan and lease losses	1,769				5,474				2,090				5,474
Balance at end of period	$	37,483			$	34,787			$	37,483			$	34,787

The following table presents the activity and balance in the ALLL 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 six months ended June 30, 2016:

	Commercial and Industrial				Commercial Real Estate				Multi- family				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Unallocated				Total
	(In thousands)
ALLL:
Balance at March 31, 2016	$	6,046			$	3,969			$	6,484			$	906			$	1,520			$	2,610			$	13,270			$	1,040			$	—			$	35,845
Charge-offs	(137		)		—				—				—				—				(479		)		(149		)		(7		)		—				(772		)
Recoveries	—				371				—				245				—				24				—				1				—				641
Provision	2,095				(786		)		430				(454		)		157				385				22				(80		)		—				1,769
Balance at June 30, 2016	$	8,004			$	3,554			$	6,914			$	697			$	1,677			$	2,540			$	13,143			$	954			$	—			$	37,483
Balance at December 31, 2015	$	5,850			$	4,252			$	6,012			$	683			$	1,530			$	2,195			$	13,854			$	1,157			$	—			$	35,533
Charge-offs	(137		)		—				—				—				—				(581		)		(149		)		(7		)		—				(874		)
Recoveries	—				371				—				276				—				85				—				2				—				734
Provision	2,291				(1,069		)		902				(262		)		147				841				(562		)		(198		)		—				2,090
Balance at June 30, 2016	$	8,004			$	3,554			$	6,914			$	697			$	1,677			$	2,540			$	13,143			$	954			$	—			$	37,483
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	1,346			$	—			$	—			$	1,346
Collectively evaluated for impairment	7,947				3,543				6,914				678				1,677				2,540				11,780				954				—				36,033
Acquired with deteriorated credit quality	57				11				—				19				—				—				17				—				—				104
Total ending ALLL balance	$	8,004			$	3,554			$	6,914			$	697			$	1,677			$	2,540			$	13,143			$	954			$	—			$	37,483
Loans:
Individually evaluated for impairment	$	3,470			$	271			$	—			$	—			$	—			$	—			$	34,813			$	294			$	—			$	38,848
Collectively evaluated for impairment	1,298,486				721,510				1,147,597				62,634				86,852				228,663				1,780,366				119,915				—				5,446,023
Acquired with deteriorated credit quality	4,910				3,326				—				2,843				—				—				740,165				—				—				751,244
Total ending loan balances	$	1,306,866			$	725,107			$	1,147,597			$	65,477			$	86,852			$	228,663			$	2,555,344			$	120,209			$	—			$	6,236,115

The following table presents the activity and balance in the ALLL 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 six months ended June 30, 2015:

	Commercial and Industrial				Commercial Real Estate				Multi- family				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Unallocated				Total
	(In thousands)
ALLL:
Balance at March 31, 2015	$	6,484			$	3,904			$	7,164			$	566			$	695			$	1,195			$	6,960			$	2,013			$	364			$	29,345
Charge-offs	(23		)		—				—				(55		)		—				(1		)		—				—				—				(79		)
Recoveries	5				—				—				41				—				—				—				1				—				47
Provision	418				541				(3,484		)		122				(116		)		452				5,990				(328		)		1,879				5,474
Balance at June 30, 2015	$	6,884			$	4,445			$	3,680			$	674			$	579			$	1,646			$	12,950			$	1,686			$	2,243			$	34,787
Balance at December 31, 2014	$	6,910			$	3,840			$	7,179			$	335			$	846			$	873			$	7,192			$	2,305			$	—			$	29,480
Charge-offs	(33		)		(260		)		—				(55		)		—				(88		)		—				—				—				(436		)
Recoveries	8				132				3				113				—				—				—				13				—				269
Provision	(1		)		733				(3,502		)		281				(267		)		861				5,758				(632		)		2,243				5,474
Balance at June 30, 2015	$	6,884			$	4,445			$	3,680			$	674			$	579			$	1,646			$	12,950			$	1,686			$	2,243			$	34,787
Individually evaluated for impairment	$	253			$	—			$	—			$	—			$	—			$	—			$	433			$	—			$	—			$	686
Collectively evaluated for impairment	6,573				4,333				3,680				655				579				1,646				12,500				1,686				2,243				33,895
Acquired with deteriorated credit quality	58				112				—				19				—				—				17				—				—				206
Total ending ALLL balance	$	6,884			$	4,445			$	3,680			$	674			$	579			$	1,646			$	12,950			$	1,686			$	2,243			$	34,787
Loans:
Individually evaluated for impairment	$	5,125			$	353			$	—			$	8			$	—			$	—			$	26,019			$	294			$	—			$	31,799
Collectively evaluated for impairment	765,987				795,789				696,768				53,858				32,022				131,189				1,562,923				136,388				—				4,174,924
Acquired with deteriorated credit quality	365				11,004				—				3,021				—				—				251,982				—				—				266,372
Total ending loan balances	$	771,477			$	807,146			$	696,768			$	56,887			$	32,022			$	131,189			$	1,840,924			$	136,682			$	—			$	4,473,095

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.

	June 30, 2016												December 31, 2015
	Unpaid Principal Balance				Recorded Investment				ALLL				Unpaid Principal Balance				Recorded Investment				ALLL
	(In thousands)
With no related ALLL recorded:
Commercial:
Commercial and industrial	$	3,489			$	3,470			$	—			$	6,244			$	6,086			$	—
Commercial real estate	271				271				—				1,200				312				—
SBA	—				—				—				22				3				—
Consumer:
Single family residential mortgage	25,701				25,602				—				24,224				22,671				—
Other consumer	294				294				—				553				553				—
With an ALLL recorded:
Commercial:
Commercial and industrial	—				—				—				1,072				1,073				38
Consumer:
Single family residential mortgage	9,752				9,211				1,346				3,575				3,585				331
Total	$	39,507			$	38,848			$	1,346			$	36,890			$	34,283			$	369

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

	Three Months Ended												Six Months Ended
	Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
	(In thousands)
June 30, 2016
Commercial:
Commercial and industrial	$	3,500			$	55			$	55			$	4,048			$	118			$	143
Commercial real estate	285				14				14				295				24				24
Consumer:
Single family residential mortgage	34,963				309				298				34,644				595				563
Other consumer	294				2				3				294				4				5
Total	$	39,042			$	380			$	370			$	39,281			$	741			$	735
June 30, 2015
Commercial:
Commercial and industrial	$	5,197			$	68			$	64			$	6,698			$	187			$	194
Commercial real estate	363				7				7				373				17				17
Multi-family	—				—				—				790				13				15
SBA	9				—				—				8				—				—
Consumer:
Single family residential mortgage	26,111				210				210				23,989				389				386
Other consumer	294				2				2				294				4				5
Total	$	31,974			$	287			$	283			$	32,152			$	610			$	617

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:

	June 30, 2016												December 31, 2015
	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 $80 at June 30, 2016 and $0 at December 31, 2015	12,628				32,384				45,012				14,703				30,426				45,129

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

	June 30, 2016												December 31, 2015
	NTM Loans				Traditional Loans and Leases				Total				NTM Loans				Traditional Loans and Leases				Total
	(In thousands)
Commercial:
Commercial and industrial	$	—			$	4,800			$	4,800			$	—			$	4,383			$	4,383
Commercial real estate	—				789				789				—				1,552				1,552
Multi-family	—				602				602				—				642				642
SBA	—				345				345				—				422				422
Lease financing	—				1,930				1,930				—				598				598
Consumer:
Single family residential mortgage	2,703				23,783				26,486				4,615				22,615				27,230
Green Loans (HELOC) - first liens	9,925				—				9,925				10,088				—				10,088
Other consumer	—				135				135				—				214				214
Total nonaccrual loans and leases	$	12,628			$	32,384			$	45,012			$	14,703			$	30,426			$	45,129

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 June 30, 2016, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

	June 30, 2016
	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	$	2,124			$	9,075			$	2,246			$	13,445			$	725,271			$	738,716
Green Loans (HELOC) - first liens	7,750				—				2,175				9,925				89,695				99,620
Green Loans (HELOC) - second liens	—				—				—				—				4,298				4,298
Other consumer	—				—				—				—				—				—
Total NTM loans	9,874				9,075				4,421				23,370				819,264				842,634
Traditional loans and leases:
Commercial:
Commercial and industrial	2,968				269				2,870				6,107				1,295,849				1,301,956
Commercial real estate	—				—				274				274				721,507				721,781
Multi-family	176				—				—				176				1,147,421				1,147,597
SBA	357				—				273				630				62,004				62,634
Construction	705				—				—				705				86,147				86,852
Lease financing	3,025				590				1,789				5,404				223,259				228,663
Consumer:
Single family residential mortgage	20,064				3,212				19,021				42,297				934,546				976,843
Other consumer	179				—				27				206				115,705				115,911
Total traditional loans and leases	27,474				4,071				24,254				55,799				4,586,438				4,642,237
PCI loans:
Commercial:
Commercial and industrial	—				—				171				171				4,739				4,910
Commercial real estate	—				—				162				162				3,164				3,326
SBA	475				—				347				822				2,021				2,843
Consumer:
Single family residential mortgage	41,467				6,313				8,272				56,052				684,113				740,165
Total PCI loans	41,942				6,313				8,952				57,207				694,037				751,244
Total	$	79,290			$	19,459			$	37,627			$	136,376			$	6,099,739			$	6,236,115

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 and leases:
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 and leases	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
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

Troubled Debt Restructurings

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

	June 30, 2016												December 31, 2015
	NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
	(In thousands)
Commercial:
SBA	$	—			$	—			$	—			$	—			$	3			$	3
Consumer:
Single family residential mortgage	990				13,784				14,774				1,015				5,841				6,856
Green Loans (HELOC) - first liens	2,246				—				2,246				2,400				—				2,400
Green Loans (HELOC) - second liens	294				—				294				553				—				553
Total	$	3,530			$	13,784			$	17,314			$	3,968			$	5,844			$	9,812

The following table summarizes the pre-modification and post-modification balances of the new TDRs for the three and six months ended June 30, 2016:

	Three Months Ended											Six 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)
June 30, 2016
Consumer:
Single family residential mortgage	3			$	470			$	470			40			$	9,548			$	9,548
Total	3			$	470			$	470			40			$	9,548			$	9,548
June 30, 2015
Consumer:
Single family residential mortgage	—			$	—			$	—			2			$	1,430			$	1,430
Total	—			$	—			$	—			2			$	1,430			$	1,430

Carrying Amount of Purchased Credit Impaired Loans and Leases

The following table presents the outstanding balance and carrying amount of PCI loans as of the dates indicated:

	June 30, 2016								December 31, 2015
	Outstanding Balance				Carrying Amount				Outstanding Balance				Carrying Amount
	(In thousands)
Commercial:
Commercial and industrial	$	5,164			$	4,910			$	1,001			$	853
Commercial real estate	4,835				3,326				11,255				9,599
SBA	3,896				2,843				4,033				3,049
Consumer:
Single family residential mortgage	813,854				740,165				764,814				699,230
Total	$	827,749			$	751,244			$	781,103			$	712,731

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								Six Months Ended
	June 30,								June 30,
	2016				2015				2016				2015
	(In thousands)
Balance at beginning of period	$	175,889			$	85,295			$	205,549			$	92,301
New loans or leases purchased	23,568				6,331				23,568				6,331
Accretion of income	(9,772		)		(4,968		)		(19,480		)		(10,016		)
Changes in expected cash flows	(123		)		(128		)		(18,786		)		(153		)
Disposals	(5,484		)		(1,659		)		(6,773		)		(3,592		)
Balance at end of period	$	184,078			$	84,871			$	184,078			$	84,871

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