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

6 Months Ended

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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