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LOANS AND LEASES AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2017
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, 2017 |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 1,560,264 |  |  | $ | 1,560,264 |  |  | $ | 652 |  |  | $ | 1,560,916 |
Commercial real estate | — |  |  | 715,650 |  |  | 715,650 |  |  | 1,121 |  |  | 716,771 |
Multi-family | — |  |  | 1,545,888 |  |  | 1,545,888 |  |  | — |  |  | 1,545,888 |
SBA | — |  |  | 74,726 |  |  | 74,726 |  |  | 2,528 |  |  | 77,254 |
Construction | — |  |  | 156,246 |  |  | 156,246 |  |  | — |  |  | 156,246 |
Lease financing | — |  |  | 173 |  |  | 173 |  |  | — |  |  | 173 |
Consumer: |  |  |  |  |  |  |  |  |
Single family residential mortgage | 686,998 |  |  | 1,009,041 |  |  | 1,696,039 |  |  | — |  |  | 1,696,039 |
Green Loans (HELOC) - first liens | 82,497 |  |  | — |  |  | 82,497 |  |  | — |  |  | 82,497 |
Green Loans (HELOC) - second liens | 3,542 |  |  | — |  |  | 3,542 |  |  | — |  |  | 3,542 |
Other consumer | — |  |  | 117,011 |  |  | 117,011 |  |  | — |  |  | 117,011 |
Total loans and leases | $ | 773,037 |  |  | $ | 5,178,999 |  |  | $ | 5,952,036 |  |  | $ | 4,301 |  |  | $ | 5,956,337 |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  | (42,385 | )
Loans and leases receivable, net |  |  |  |  |  |  |  |  | $ | 5,913,952 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 1,518,200 |  |  | $ | 1,518,200 |  |  | $ | 4,760 |  |  | $ | 1,522,960 |
Commercial real estate | — |  |  | 728,777 |  |  | 728,777 |  |  | 1,182 |  |  | 729,959 |
Multi-family | — |  |  | 1,365,262 |  |  | 1,365,262 |  |  | — |  |  | 1,365,262 |
SBA | — |  |  | 71,168 |  |  | 71,168 |  |  | 2,672 |  |  | 73,840 |
Construction | — |  |  | 125,100 |  |  | 125,100 |  |  | — |  |  | 125,100 |
Lease financing | — |  |  | 379 |  |  | 379 |  |  | — |  |  | 379 |
Consumer: |  |  |  |  |  |  |  |  |
Single family residential mortgage | 794,120 |  |  | 1,091,829 |  |  | 1,885,949 |  |  | 133,212 |  |  | 2,019,161 |
Green Loans (HELOC) - first liens | 87,469 |  |  | — |  |  | 87,469 |  |  | — |  |  | 87,469 |
Green Loans (HELOC) - second liens | 3,559 |  |  | — |  |  | 3,559 |  |  | — |  |  | 3,559 |
Other consumer | — |  |  | 107,063 |  |  | 107,063 |  |  | — |  |  | 107,063 |
Total loans and leases | $ | 885,148 |  |  | $ | 5,007,778 |  |  | $ | 5,892,926 |  |  | $ | 141,826 |  |  | $ | 6,034,752 |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  | (40,444 | )
Loans and leases receivable, net |  |  |  |  |  |  |  |  | $ | 5,994,308 |
Non Traditional Mortgages Portfolio | The following table presents the composition of the NTM portfolio as of the dates indicated:
| June 30, 2017 |  | December 31, 2016
| Count |  | Amount |  | Percent |  | Count |  | Amount |  | Percent
| ($ in thousands)
Green Loans (HELOC) - first liens | 102 |  |  | $ | 82,497 |  |  | 10.7 | % |  | 107 |  |  | $ | 87,469 |  |  | 9.9 | %
Interest-only - first liens | 432 |  |  | 683,246 |  |  | 88.3 | % |  | 522 |  |  | 784,364 |  |  | 88.6 | %
Negative amortization | 11 |  |  | 3,752 |  |  | 0.5 | % |  | 22 |  |  | 9,756 |  |  | 1.1 | %
Total NTM - first liens | 545 |  |  | 769,495 |  |  | 99.5 | % |  | 651 |  |  | 881,589 |  |  | 99.6 | %
Green Loans (HELOC) - second liens | 12 |  |  | 3,542 |  |  | 0.5 | % |  | 12 |  |  | 3,559 |  |  | 0.4 | %
Total NTM - second liens | 12 |  |  | 3,542 |  |  | 0.5 | % |  | 12 |  |  | 3,559 |  |  | 0.4 | %
Total NTM loans | 557 |  |  | $ | 773,037 |  |  | 100.0 | % |  | 663 |  |  | $ | 885,148 |  |  | 100.0 | %
Total loans and leases |  |  | $ | 5,956,337 |  |  |  |  |  |  | $ | 6,034,752 |  |  |
% of NTM to total loans and leases |  |  | 13.0 | % |  |  |  |  |  | 14.7 | % |  |
Risk Categories for Loans and Leases | The following table presents the Company’s NTM Green Loans first lien portfolio at June 30, 2017 by FICO scores that were obtained during the quarter ended June 30, 2017, comparing to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2016:
| June 30, 2017
| By FICO Scores Obtained During the Quarter Ended June 30, 2017 |  | By FICO Scores Obtained During the Quarter Ended December 31, 2016 |  | Change
| Count |  | Amount |  | Percent |  | Count |  | Amount |  | Percent |  | Count |  | Amount |  | Percent
| ($ in thousands)
FICO Score |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
800+ | 13 |  |  | $ | 8,737 |  |  | 10.6 | % |  | 16 |  |  | $ | 9,258 |  |  | 11.2 | % |  | (3 | ) |  | $ | (521 | ) |  | (0.6 | )%
700-799 | 56 |  |  | 41,588 |  |  | 50.4 | % |  | 50 |  |  | 38,702 |  |  | 46.9 | % |  | 6 |  |  | 2,886 |  |  | 3.5 | %
600-699 | 24 |  |  | 23,343 |  |  | 28.3 | % |  | 28 |  |  | 27,330 |  |  | 33.1 | % |  | (4 | ) |  | (3,987 | ) |  | (4.8 | )%
<600 | 2 |  |  | 3,422 |  |  | 4.1 | % |  | 1 |  |  | 1,800 |  |  | 2.2 | % |  | 1 |  |  | 1,622 |  |  | 1.9 | %
No FICO | 7 |  |  | 5,407 |  |  | 6.6 | % |  | 7 |  |  | 5,407 |  |  | 6.6 | % |  | — |  |  | — |  |  | — | %
Totals | 102 |  |  | $ | 82,497 |  |  | 100.0 | % |  | 102 |  |  | $ | 82,497 |  |  | 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, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
< 61% | 55 |  |  | $ | 45,809 |  |  | 55.5 | % |  | 185 |  |  | $ | 330,235 |  |  | 48.3 | % |  | 8 |  |  | $ | 2,688 |  |  | 71.6 | % |  | 248 |  |  | $ | 378,732 |  |  | 49.2 | %
61-80% | 39 |  |  | 30,942 |  |  | 37.5 | % |  | 230 |  |  | 327,107 |  |  | 47.9 | % |  | 3 |  |  | 1,064 |  |  | 28.4 | % |  | 272 |  |  | 359,113 |  |  | 46.7 | %
81-100% | 8 |  |  | 5,746 |  |  | 7.0 | % |  | 17 |  |  | 25,904 |  |  | 3.8 | % |  | — |  |  | — |  |  | — | % |  | 25 |  |  | 31,650 |  |  | 4.1 | %
> 100% | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — | % |  | — |  |  | — |  |  | — | %
Total | 102 |  |  | $ | 82,497 |  |  | 100.0 | % |  | 432 |  |  | $ | 683,246 |  |  | 100.0 | % |  | 11 |  |  | $ | 3,752 |  |  | 100.0 | % |  | 545 |  |  | $ | 769,495 |  |  | 100.0 | %
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
< 61% | 45 |  |  | $ | 39,105 |  |  | 44.7 | % |  | 196 |  |  | $ | 336,744 |  |  | 42.9 | % |  | 16 |  |  | $ | 7,043 |  |  | 72.2 | % |  | 257 |  |  | $ | 382,892 |  |  | 43.4 | %
61-80% | 52 |  |  | 41,732 |  |  | 47.7 | % |  | 306 |  |  | 434,269 |  |  | 55.4 | % |  | 6 |  |  | 2,713 |  |  | 27.8 | % |  | 364 |  |  | 478,714 |  |  | 54.3 | %
81-100% | 10 |  |  | 6,632 |  |  | 7.6 | % |  | 8 |  |  | 8,828 |  |  | 1.1 | % |  | — |  |  | — |  |  | — | % |  | 18 |  |  | 15,460 |  |  | 1.8 | %
> 100% | — |  |  | — |  |  | — | % |  | 12 |  |  | 4,523 |  |  | 0.6 | % |  | — |  |  | — |  |  | — | % |  | 12 |  |  | 4,523 |  |  | 0.5 | %
Total | 107 |  |  | $ | 87,469 |  |  | 100.0 | % |  | 522 |  |  | $ | 784,364 |  |  | 100.0 | % |  | 22 |  |  | $ | 9,756 |  |  | 100.0 | % |  | 651 |  |  | $ | 881,589 |  |  | 100.0 | %
The following table presents the risk categories for total loans and leases as of June 30, 2017:
| June 30, 2017
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Not-Rated |  | Total
| (In thousands)
NTM loans: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | $ | 686,998 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 686,998 |
Green Loans (HELOC) - first liens | 82,497 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 82,497 |
Green Loans (HELOC) - second liens | 3,542 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,542 |
Total NTM loans | 773,037 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 773,037 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1,545,120 |  |  | 12,522 |  |  | 2,550 |  |  | 72 |  |  | — |  |  | 1,560,264 |
Commercial real estate | 710,187 |  |  | 3,393 |  |  | 2,070 |  |  | — |  |  | — |  |  | 715,650 |
Multi-family | 1,545,340 |  |  | 548 |  |  | — |  |  | — |  |  | — |  |  | 1,545,888 |
SBA | 72,072 |  |  | 1,004 |  |  | 1,650 |  |  | — |  |  | — |  |  | 74,726 |
Construction | 156,246 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 156,246 |
Lease financing | 108 |  |  | — |  |  | 65 |  |  | — |  |  | — |  |  | 173 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 1,002,654 |  |  | — |  |  | 6,387 |  |  | — |  |  | — |  |  | 1,009,041 |
Other consumer | 116,163 |  |  | 46 |  |  | 802 |  |  | — |  |  | — |  |  | 117,011 |
Total traditional loans and leases | 5,147,890 |  |  | 17,513 |  |  | 13,524 |  |  | 72 |  |  | — |  |  | 5,178,999 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | — |  |  | 652 |  |  | — |  |  | — |  |  | 652 |
Commercial real estate | 1,121 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,121 |
SBA | 1,232 |  |  | — |  |  | 1,296 |  |  | — |  |  | — |  |  | 2,528 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total PCI loans | 2,353 |  |  | — |  |  | 1,948 |  |  | — |  |  | — |  |  | 4,301 |
Total | $ | 5,923,280 |  |  | $ | 17,513 |  |  | $ | 15,472 |  |  | $ | 72 |  |  | $ | — |  |  | $ | 5,956,337 |
The following table presents the risk categories for total loans and leases as of December 31, 2016:
| December 31, 2016
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Not-Rated |  | Total
| (In thousands)
NTM loans: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | $ | 792,179 |  |  | $ | 1,474 |  |  | $ | 467 |  |  | $ | — |  |  | $ | — |  |  | $ | 794,120 |
Green Loans (HELOC) - first liens | 85,460 |  |  | 2,009 |  |  | — |  |  | — |  |  | — |  |  | 87,469 |
Green Loans (HELOC) - second liens | 3,559 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,559 |
Total NTM loans | 881,198 |  |  | 3,483 |  |  | 467 |  |  | — |  |  | — |  |  | 885,148 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1,508,636 |  |  | 844 |  |  | 8,642 |  |  | 78 |  |  | — |  |  | 1,518,200 |
Commercial real estate | 725,861 |  |  | 1,350 |  |  | 1,566 |  |  | — |  |  | — |  |  | 728,777 |
Multi-family | 1,365,262 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,365,262 |
SBA | 70,508 |  |  | — |  |  | 660 |  |  | — |  |  | — |  |  | 71,168 |
Construction | 123,571 |  |  | 1,529 |  |  | — |  |  | — |  |  | — |  |  | 125,100 |
Lease financing | 270 |  |  | — |  |  | 109 |  |  | — |  |  | — |  |  | 379 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 1,080,664 |  |  | 950 |  |  | 10,215 |  |  | — |  |  | — |  |  | 1,091,829 |
Other consumer | 106,632 |  |  | 48 |  |  | 383 |  |  | — |  |  | — |  |  | 107,063 |
Total traditional loans and leases | 4,981,404 |  |  | 4,721 |  |  | 21,575 |  |  | 78 |  |  | — |  |  | 5,007,778 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | 4,056 |  |  | 704 |  |  | — |  |  | — |  |  | 4,760 |
Commercial real estate | 1,182 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,182 |
SBA | 1,268 |  |  | — |  |  | 1,404 |  |  | — |  |  | — |  |  | 2,672 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 133,212 |  |  | 133,212 |
Total PCI loans | 2,450 |  |  | 4,056 |  |  | 2,108 |  |  | — |  |  | 133,212 |  |  | 141,826 |
Total | $ | 5,865,052 |  |  | $ | 12,260 |  |  | $ | 24,150 |  |  | $ | 78 |  |  | $ | 133,212 |  |  | $ | 6,034,752 |
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,
| 2017 |  | 2016 |  | 2017 |  | 2016
| (In thousands)
Balance at beginning of period | $ | 42,736 |  |  | $ | 35,845 |  |  | $ | 40,444 |  |  | $ | 35,533 |
Loans and leases charged off | (2,898 | ) |  | (772 | ) |  | (3,255 | ) |  | (874 | )
Recoveries of loans and leases previously charged off | 44 |  |  | 641 |  |  | 110 |  |  | 734 |
Provision for loan and lease losses | 2,503 |  |  | 1,769 |  |  | 5,086 |  |  | 2,090 |
Balance at end of period | $ | 42,385 |  |  | $ | 37,483 |  |  | $ | 42,385 |  |  | $ | 37,483 |
The following table presents the activity and balance in the ALLL and the recorded investment, excluding accrued interest, in loans and leases based on the impairment methodology as of or for the three and six months ended June 30, 2017:
| Commercial and Industrial |  | Commercial Real Estate |  | Multi- family |  | SBA |  | Construction |  | Lease Financing |  | Single Family Residential Mortgage |  | Other Consumer |  | Total
| (In thousands)
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2017 | $ | 10,888 |  |  | $ | 4,543 |  |  | $ | 11,029 |  |  | $ | 1,146 |  |  | $ | 3,018 |  |  | $ | 5 |  |  | $ | 11,240 |  |  | $ | 867 |  |  | $ | 42,736 |
Charge-offs | (132 | ) |  | (113 | ) |  | — |  |  | (293 | ) |  | (29 | ) |  | — |  |  | (2,331 | ) |  | — |  |  | (2,898 | )
Recoveries | — |  |  | — |  |  | — |  |  | 31 |  |  | — |  |  | 10 |  |  | — |  |  | 3 |  |  | 44 |
Provision | (261 | ) |  | 696 |  |  | (343 | ) |  | 200 |  |  | (15 | ) |  | (12 | ) |  | 2,100 |  |  | 138 |  |  | 2,503 |
Balance at June 30, 2017 | $ | 10,495 |  |  | $ | 5,126 |  |  | $ | 10,686 |  |  | $ | 1,084 |  |  | $ | 2,974 |  |  | $ | 3 |  |  | $ | 11,009 |  |  | $ | 1,008 |  |  | $ | 42,385 |
Balance at December 31, 2016 | $ | 7,584 |  |  | $ | 5,467 |  |  | $ | 11,376 |  |  | $ | 939 |  |  | $ | 2,015 |  |  | $ | 6 |  |  | $ | 12,075 |  |  | $ | 982 |  |  | $ | 40,444 |
Charge-offs | (382 | ) |  | (113 | ) |  | — |  |  | (293 | ) |  | (29 | ) |  | — |  |  | (2,412 | ) |  | (26 | ) |  | (3,255 | )
Recoveries | — |  |  | — |  |  | — |  |  | 74 |  |  | — |  |  | 29 |  |  | 1 |  |  | 6 |  |  | 110 |
Provision | 3,293 |  |  | (228 | ) |  | (690 | ) |  | 364 |  |  | 988 |  |  | (32 | ) |  | 1,345 |  |  | 46 |  |  | 5,086 |
Balance at June 30, 2017 | $ | 10,495 |  |  | $ | 5,126 |  |  | $ | 10,686 |  |  | $ | 1,084 |  |  | $ | 2,974 |  |  | $ | 3 |  |  | $ | 11,009 |  |  | $ | 1,008 |  |  | $ | 42,385 |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 424 |  |  | $ | — |  |  | $ | 424 |
Collectively evaluated for impairment | 10,495 |  |  | 5,121 |  |  | 10,686 |  |  | 1,065 |  |  | 2,974 |  |  | 3 |  |  | 10,585 |  |  | 1,008 |  |  | 41,937 |
Acquired with deteriorated credit quality | — |  |  | 5 |  |  | — |  |  | 19 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24 |
Total ending ALLL balance | $ | 10,495 |  |  | $ | 5,126 |  |  | $ | 10,686 |  |  | $ | 1,084 |  |  | $ | 2,974 |  |  | $ | 3 |  |  | $ | 11,009 |  |  | $ | 1,008 |  |  | $ | 42,385 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 9,971 |  |  | $ | 873 |  |  | $ | 10,844 |
Collectively evaluated for impairment | 1,560,264 |  |  | 715,650 |  |  | 1,545,888 |  |  | 74,726 |  |  | 156,246 |  |  | 173 |  |  | 1,768,565 |  |  | 119,680 |  |  | 5,941,192 |
Acquired with deteriorated credit quality | 652 |  |  | 1,121 |  |  | — |  |  | 2,528 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,301 |
Total ending loan balances | $ | 1,560,916 |  |  | $ | 716,771 |  |  | $ | 1,545,888 |  |  | $ | 77,254 |  |  | $ | 156,246 |  |  | $ | 173 |  |  | $ | 1,778,536 |  |  | $ | 120,553 |  |  | $ | 5,956,337 |
The following table presents the activity and balance in the ALLL and the recorded investment, excluding accrued interest, in loans and leases based on the impairment methodology 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 |  | 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 |
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 and any purchase premium or discount.
| June 30, 2017 |  | December 31, 2016
| Unpaid Principal Balance |  | Recorded Investment |  | ALLL |  | Unpaid Principal Balance |  | Recorded Investment |  | ALLL
| (In thousands)
With no related ALLL recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,478 |  |  | $ | 2,429 |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 6,525 |  |  | 6,550 |  |  | — |  |  | 8,865 |  |  | 8,887 |  |  | — |
Other consumer | 873 |  |  | 873 |  |  | — |  |  | 294 |  |  | 294 |  |  | — |
With an ALLL recorded: |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 3,402 |  |  | 3,421 |  |  | 424 |  |  | 1,772 |  |  | 1,742 |  |  | 243 |
Total | $ | 10,800 |  |  | $ | 10,844 |  |  | $ | 424 |  |  | $ | 13,409 |  |  | $ | 13,352 |  |  | $ | 243 |
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, 2017 |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Construction | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 764 |  |  | $ | — |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 9,985 |  |  | 42 |  |  | 46 |  |  | 10,520 |  |  | 85 |  |  | 89 |
Other consumer | 878 |  |  | 2 |  |  | 2 |  |  | 884 |  |  | 4 |  |  | 3 |
Total | $ | 10,863 |  |  | $ | 44 |  |  | $ | 48 |  |  | $ | 12,168 |  |  | $ | 89 |  |  | $ | 92 |
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 |
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, 2017 |  | December 31, 2016
| 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 $31 at June 30, 2017 and $0 at December 31, 2016 | — |  |  | 9,064 |  |  | 9,064 |  |  | 467 |  |  | 14,475 |  |  | 14,942 |
The following table presents the composition of nonaccrual loans and leases as of the dates indicated:
| June 30, 2017 |  | December 31, 2016
| NTM Loans |  | Traditional Loans and Leases |  | Total |  | NTM Loans |  | Traditional Loans and Leases |  | Total
| (In thousands)
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 1,207 |  |  | $ | 1,207 |  |  | $ | — |  |  | $ | 3,544 |  |  | $ | 3,544 |
SBA | — |  |  | 603 |  |  | 603 |  |  | — |  |  | 619 |  |  | 619 |
Lease financing | — |  |  | 65 |  |  | 65 |  |  | — |  |  | 109 |  |  | 109 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | 6,387 |  |  | 6,387 |  |  | 467 |  |  | 9,820 |  |  | 10,287 |
Other consumer | — |  |  | 802 |  |  | 802 |  |  | — |  |  | 383 |  |  | 383 |
Total nonaccrual loans and leases | $ | — |  |  | $ | 9,064 |  |  | $ | 9,064 |  |  | $ | 467 |  |  | $ | 14,475 |  |  | $ | 14,942 |
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, 2017, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:
| June 30, 2017
| 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 | $ | 661 |  |  | $ | — |  |  | $ | — |  |  | $ | 661 |  |  | $ | 686,337 |  |  | $ | 686,998 |
Green Loans (HELOC) - first liens | 498 |  |  | — |  |  | — |  |  | 498 |  |  | 81,999 |  |  | 82,497 |
Green Loans (HELOC) - second liens | — |  |  | — |  |  | — |  |  | — |  |  | 3,542 |  |  | 3,542 |
Total NTM loans | 1,159 |  |  | — |  |  | — |  |  | 1,159 |  |  | 771,878 |  |  | 773,037 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 1,810 |  |  | 7,711 |  |  | 686 |  |  | 10,207 |  |  | 1,550,057 |  |  | 1,560,264 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 715,650 |  |  | 715,650 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | 1,545,888 |  |  | 1,545,888 |
SBA | — |  |  | 559 |  |  | 493 |  |  | 1,052 |  |  | 73,674 |  |  | 74,726 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 156,246 |  |  | 156,246 |
Lease financing | — |  |  | — |  |  | 65 |  |  | 65 |  |  | 108 |  |  | 173 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 10,165 |  |  | — |  |  | 5,262 |  |  | 15,427 |  |  | 993,614 |  |  | 1,009,041 |
Other consumer | 1,788 |  |  | 113 |  |  | 2 |  |  | 1,903 |  |  | 115,108 |  |  | 117,011 |
Total traditional loans and leases | 13,763 |  |  | 8,383 |  |  | 6,508 |  |  | 28,654 |  |  | 5,150,345 |  |  | 5,178,999 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | — |  |  | 147 |  |  | 147 |  |  | 505 |  |  | 652 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 1,121 |  |  | 1,121 |
SBA | 297 |  |  | 46 |  |  | 660 |  |  | 1,003 |  |  | 1,525 |  |  | 2,528 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total PCI loans | 297 |  |  | 46 |  |  | 807 |  |  | 1,150 |  |  | 3,151 |  |  | 4,301 |
Total | $ | 15,219 |  |  | $ | 8,429 |  |  | $ | 7,315 |  |  | $ | 30,963 |  |  | $ | 5,925,374 |  |  | $ | 5,956,337 |
The following table presents the aging of the recorded investment in past due loans and leases as of December 31, 2016, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:
| December 31, 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 | $ | 4,193 |  |  | $ | — |  |  | $ | 467 |  |  | $ | 4,660 |  |  | $ | 789,460 |  |  | $ | 794,120 |
Green Loans (HELOC) - first liens | — |  |  | — |  |  | — |  |  | — |  |  | 87,469 |  |  | 87,469 |
Green Loans (HELOC) - second liens | — |  |  | — |  |  | — |  |  | — |  |  | 3,559 |  |  | 3,559 |
Total NTM loans | 4,193 |  |  | — |  |  | 467 |  |  | 4,660 |  |  | 880,488 |  |  | 885,148 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 412 |  |  | 463 |  |  | 3,385 |  |  | 4,260 |  |  | 1,513,940 |  |  | 1,518,200 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 728,777 |  |  | 728,777 |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | 1,365,262 |  |  | 1,365,262 |
SBA | 15 |  |  | 2 |  |  | 482 |  |  | 499 |  |  | 70,669 |  |  | 71,168 |
Construction | 1,529 |  |  | — |  |  | — |  |  | 1,529 |  |  | 123,571 |  |  | 125,100 |
Lease financing | — |  |  | — |  |  | 109 |  |  | 109 |  |  | 270 |  |  | 379 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 11,225 |  |  | 1,345 |  |  | 9,393 |  |  | 21,963 |  |  | 1,069,866 |  |  | 1,091,829 |
Other consumer | 10,023 |  |  | 933 |  |  | 382 |  |  | 11,338 |  |  | 95,725 |  |  | 107,063 |
Total traditional loans and leases | 23,204 |  |  | 2,743 |  |  | 13,751 |  |  | 39,698 |  |  | 4,968,080 |  |  | 5,007,778 |
PCI loans: |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | — |  |  | 156 |  |  | 156 |  |  | 4,604 |  |  | 4,760 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 1,182 |  |  | 1,182 |
SBA | 300 |  |  | 232 |  |  | 328 |  |  | 860 |  |  | 1,812 |  |  | 2,672 |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 10,483 |  |  | 4,063 |  |  | 2,093 |  |  | 16,639 |  |  | 116,573 |  |  | 133,212 |
Total PCI loans | 10,783 |  |  | 4,295 |  |  | 2,577 |  |  | 17,655 |  |  | 124,171 |  |  | 141,826 |
Total | $ | 38,180 |  |  | $ | 7,038 |  |  | $ | 16,795 |  |  | $ | 62,013 |  |  | $ | 5,972,739 |  |  | $ | 6,034,752 |
Troubled Debt Restructurings | The following table summarizes the pre-modification and post-modification balances of the new TDRs for the periods indicated:
| 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, 2017 |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 1 |  |  | $ | 1,150 |  |  | $ | 1,160 |  |  | 3 |  |  | $ | 2,416 |  |  | $ | 2,433 |
Total | 1 |  |  | $ | 1,150 |  |  | $ | 1,160 |  |  | 3 |  |  | $ | 2,416 |  |  | $ | 2,433 |
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 |
The following table summarizes the TDRs by modification type for the three months ended June 30, 2017 and 2016:
| Three Months Ended
| Modification Type
| Change in Principal Payments and Interest Rates |  | Change in Principal Payments |  | Change in Interest Rates |  | Total
| Count |  | Amount |  | Count |  | Amount |  | Count |  | Amount |  | Count |  | Amount
| ($ in thousands)
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 1 |  |  | $ | 1,160 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 1,160 |
Total | 1 |  |  | $ | 1,160 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 1,160 |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 2 |  |  | $ | 401 |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 69 |  |  | 3 |  |  | $ | 470 |
Total | 2 |  |  | $ | 401 |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 69 |  |  | 3 |  |  | $ | 470 |
The following table summarizes the TDRs by modification type for the six months ended June 30, 2017 and 2016:
| Six Months Ended
| Modification Type
| Change in Principal Payments and Interest Rates |  | Change in Principal Payments |  | Change in Interest Rates |  | Total
| Count |  | Amount |  | Count |  | Amount |  | Count |  | Amount |  | Count |  | Amount
| ($ in thousands)
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 2 |  |  | $ | 1,290 |  |  | 1 |  |  | $ | 1,143 |  |  | — |  |  | $ | — |  |  | 3 |  |  | $ | 2,433 |
Total | 2 |  |  | $ | 1,290 |  |  | 1 |  |  | $ | 1,143 |  |  | — |  |  | $ | — |  |  | 3 |  |  | $ | 2,433 |
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 34 |  |  | $ | 8,622 |  |  | 4 |  |  | $ | 780 |  |  | 2 |  |  | $ | 146 |  |  | 40 |  |  | $ | 9,548 |
Total | 34 |  |  | $ | 8,622 |  |  | 4 |  |  | $ | 780 |  |  | 2 |  |  | $ | 146 |  |  | 40 |  |  | $ | 9,548 |
TDR loans consist of the following as of the dates indicated:
| June 30, 2017 |  | December 31, 2016
| NTM Loans |  | Traditional Loans |  | Total |  | NTM Loans |  | Traditional Loans |  | Total
| (In thousands)
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | 482 |  |  | 2,694 |  |  | 3,176 |  |  | 853 |  |  | 1,440 |  |  | 2,293 |
Green Loans (HELOC) - first liens | 2,234 |  |  | — |  |  | 2,234 |  |  | 2,240 |  |  | — |  |  | 2,240 |
Green Loans (HELOC) - second liens | 294 |  |  | — |  |  | 294 |  |  | 294 |  |  | — |  |  | 294 |
Total | $ | 3,010 |  |  | $ | 2,694 |  |  | $ | 5,704 |  |  | $ | 3,387 |  |  | $ | 1,440 |  |  | $ | 4,827 |
Summary of Significant Activities | The following table presents loans and leases purchased, sold and transferred from (to) held-for-sale by portfolio segment, excluding loans held-for-sale, loans and leases acquired in business combinations and PCI loans for the periods indicated:
| Three Months Ended |  | Six Months Ended
| Purchases |  | Sales |  | Transfers from (to) Held-For-Sale |  | Purchases |  | Sales |  | Transfers from (to) Held-For-Sale
| (In thousands)
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | (3,924 | ) |  | $ | — |  |  | $ | — |  |  | $ | (3,924 | )
Commercial real estate | — |  |  | — |  |  | (1,329 | ) |  | — |  |  | — |  |  | (1,329 | )
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (6,583 | )
SBA | — |  |  | — |  |  | (1,865 | ) |  | — |  |  | — |  |  | (1,865 | )
Construction | — |  |  | — |  |  | (1,528 | ) |  | — |  |  | — |  |  | (1,528 | )
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | (168,043 | ) |  | — |  |  | — |  |  | (403,747 | )
Total | $ | — |  |  | $ | — |  |  | $ | (176,689 | ) |  | $ | — |  |  | $ | — |  |  | $ | (418,976 | )
June 30, 2016 |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Lease financing | $ | 34,226 |  |  | $ | (11,840 | ) |  | $ | — |  |  | 65,274 |  |  | (11,840 | ) |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | 2,369 |  |  | — |  |  | — |  |  | (54,255 | )
Total | $ | 34,226 |  |  | $ | (11,840 | ) |  | $ | 2,369 |  |  | $ | 65,274 |  |  | $ | (11,840 | ) |  | $ | (54,255 | )
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, 2017 |  | December 31, 2016
| Outstanding Balance |  | Carrying Amount |  | Outstanding Balance |  | Carrying Amount
| (In thousands)
Commercial: |  |  |  |  |  |  |
Commercial and industrial | $ | 803 |  |  | $ | 652 |  |  | $ | 5,029 |  |  | $ | 4,760 |
Commercial real estate | 1,571 |  |  | 1,121 |  |  | 1,613 |  |  | 1,182 |
SBA | 3,681 |  |  | 2,528 |  |  | 3,771 |  |  | 2,672 |
Consumer: |  |  |  |  |  |  |
Single family residential mortgage | — |  |  | — |  |  | 153,867 |  |  | 133,212 |
Total | $ | 6,055 |  |  | $ | 4,301 |  |  | $ | 164,280 |  |  | $ | 141,826 |
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,
| 2017 |  | 2016 |  | 2017 |  | 2016
| (In thousands)
Balance at beginning of period | $ | 38,691 |  |  | $ | 175,889 |  |  | $ | 41,181 |  |  | $ | 205,549 |
New loans purchased | — |  |  | 23,568 |  |  | — |  |  | 23,568 |
Accretion of income | (1,884 | ) |  | (9,772 | ) |  | (3,833 | ) |  | (19,480 | )
Changes in expected cash flows | — |  |  | (123 | ) |  | (225 | ) |  | (18,786 | )
Disposals | (34,570 | ) |  | (5,484 | ) |  | (34,886 | ) |  | (6,773 | )
Balance at end of period | $ | 2,237 |  |  | $ | 184,078 |  |  | $ | 2,237 |  |  | $ | 184,078 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period | The following table summarizes purchases and sales of loan pools for the periods indicated:
| Three Months Ended |  | Six Months Ended
| June 30, |  | June 30,
| 2017 |  | 2016 |  | 2017 |  | 2016
| ($ in thousands) |  |
Number of purchase transactions | — |  |  | 1 |  |  | — |  |  | 1 |
Total unpaid principal balance of purchased loans at acquisition | $ | — |  |  | $ | 103,799 |  |  | $ | — |  |  | $ | 103,799 |
Total fair value of purchased loan pools at acquisition | — |  |  | 90,984 |  |  | — |  |  | 91,063 |
Total unpaid principal balance of purchased PCI loans at acquisition | — |  |  | 103,799 |  |  | — |  |  | 103,799 |
Total fair value of purchased PCI loans at acquisition | — |  |  | 90,984 |  |  | — |  |  | 91,063 |
Total unpaid principal balance of sold PCI loans | — |  |  | — |  |  | — |  |  | — |
Total fair value of sold PCI loans | — |  |  | — |  |  | — |  |  | — |
Gain on sale of PCI loans | — |  |  | — |  |  | — |  |  | — |

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