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

12 Months Ended

Dec. 31, 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:

($ in thousands)		NTM Loans				Traditional Loans and Leases				Total NTM and Traditional Loans and Leases				PCI Loans				Total Loans and Leases Receivable
December 31, 2017
Commercial:
Commercial and industrial		$	—			$	1,701,951			$	1,701,951			$	—			$	1,701,951
Commercial real estate		—				717,415				717,415				—				717,415
Multifamily		—				1,816,141				1,816,141				—				1,816,141
SBA		—				78,699				78,699				—				78,699
Construction		—				182,960				182,960				—				182,960
Lease financing		—				13				13				—				13
Consumer:
Single family residential mortgage		721,158				1,252,294				1,973,452				—				1,973,452
Green Loans (HELOC) - first liens		82,197				—				82,197				—				82,197
Green Loans (HELOC) - second liens		3,578				—				3,578				—				3,578
Other consumer		—				103,001				103,001				—				103,001
Total loans and leases		$	806,933			$	5,852,474			$	6,659,407			$	—			$	6,659,407
Percentage to total loans and leases		12.1		%		87.9		%		100.0		%		—		%		100.0		%
Allowance for loan and lease losses																		(49,333		)
Loans and leases receivable, net																		$	6,610,074
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
Multifamily		—				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
Percentage to total loans and leases		14.7		%		83.0		%		97.7		%		2.3		%		100.0		%
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:

		December 31,
		2017										2016
($ in thousands)		Count			Amount				Percent			Count			Amount				Percent
Green Loans (HELOC) - first liens		101			$	82,197			10.2	%		107			$	87,469			9.9	%
Interest only - first liens		468			717,484				88.9	%		522			784,364				88.6	%
Negative amortization		11			3,674				0.5	%		22			9,756				1.1	%
Total NTM - first liens		580			803,355				99.6	%		651			881,589				99.6	%
Green Loans (HELOC) - second liens		12			3,578				0.4	%		12			3,559				0.4	%
Total NTM - second liens		12			3,578				0.4	%		12			3,559				0.4	%
Total NTM loans		592			806,933				100.0	%		663			885,148				100.0	%
Total loans and leases					$	6,659,407									$	6,034,752
Percentage to total loans and leases					12.1		%								14.7		%

Risk Categories for Loans and Leases

The following table presents the Company’s Green Loans first lien portfolio at December 31, 2017 by FICO scores that were obtained during the quarter ended December 31, 2017, comparing to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2016:

		December 31, 2017
		By FICO Scores Obtained During the Quarter Ended December 31, 2017										By FICO Scores Obtained During the Quarter Ended December 31, 2016										Change
($ in thousands)		Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
FICO score
800+		12			$	7,737			9.4	%		15			$	9,091			11.1	%		(3	)		$	(1,354	)		(1.7	)%
700-799		57			42,397				51.6	%		50			38,486				46.8	%		7			3,911				4.8	%
600-699		23			23,467				28.5	%		28			27,420				33.3	%		(5	)		(3,953		)		(4.8	)%
<600		5			4,691				5.7	%		1			1,800				2.2	%		4			2,891				3.5	%
No FICO score		4			3,905				4.8	%		7			5,400				6.6	%		(3	)		(1,495		)		(1.8	)%
Total		101			$	82,197			100.0	%		101			$	82,197			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
($ in thousands)		Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent			Count			Amount				Percent
December 31, 2017
< 61		60			$	51,241			62.3	%		242			$	407,810			56.8	%		9			$	2,826			76.9	%		311			$	461,877			57.5	%
61-80		33			25,072				30.5	%		220			300,500				41.9	%		2			848				23.1	%		255			326,420				40.6	%
81-100		8			5,884				7.2	%		6			9,174				1.3	%		—			—				—	%		14			15,058				1.9	%
> 100		—			—				—	%		—			—				—	%		—			—				—	%		—			—				—	%
Total		101			$	82,197			100.0	%		468			$	717,484			100.0	%		11			$	3,674			100.0	%		580			$	803,355			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 December 31, 2017:

		December 31, 2017
($ in thousands)		Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
NTM loans:
Single family residential mortgage		$	719,182			$	805			$	1,171			$	—			$	—			$	721,158
Green Loans (HELOC) - first liens		81,407				790				—				—				—				82,197
Green Loans (HELOC) - second liens		3,578				—				—				—				—				3,578
Other consumer		—				—				—				—				—				—
Total NTM loans		804,167				1,595				1,171				—				—				806,933
Traditional loans and leases:
Commercial:
Commercial and industrial		1,651,628				33,376				16,947				—				—				1,701,951
Commercial real estate		713,131				—				4,284				—				—				717,415
Multifamily		1,815,601				540				—				—				—				1,816,141
SBA		72,417				1,555				4,621				106				—				78,699
Construction		182,960				—				—				—				—				182,960
Lease financing		13				—				—				—				—				13
Consumer:
Single family residential mortgage		1,240,866				2,282				9,146				—				—				1,252,294
Other consumer		98,030				422				4,549				—				—				103,001
Total traditional loans and leases		5,774,646				38,175				39,547				106				—				5,852,474
PCI loans:
Commercial:
Commercial and industrial		—				—				—				—				—				—
Commercial real estate		—				—				—				—				—				—
SBA		—				—				—				—				—				—
Consumer:
Single family residential mortgage		—				—				—				—				—				—
Total PCI loans		—				—				—				—				—				—
Total loans and leases		$	6,578,813			$	39,770			$	40,718			$	106			$	—			$	6,659,407

The following table presents the risk categories for total loans and leases as of December 31, 2016:

		December 31, 2016
($ in thousands)		Pass				Special Mention				Substandard				Doubtful				Not-Rated				Total
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
Other consumer		—				—				—				—				—				—
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
Multifamily		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 loans and leases		$	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:

		Year Ended December 31,
($ in thousands)		2017				2016				2015
Balance at beginning of year		$	40,444			$	35,533			$	29,480
Loans and leases charged-off		(5,581		)		(2,618		)		(1,942		)
Recoveries of loans and leases previously charged off		771				2,258				526
Provision for loan and lease losses		13,699				5,271				7,469
Balance at end of year		$	49,333			$	40,444			$	35,533

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 year ended December 31, 2017:

($ in thousands)		Commercial and Industrial				Commercial Real Estate				Multifamily				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Total
ALLL:
Balance at December 31, 2016		$	7,584			$	5,467			$	11,376			$	939			$	2,015			$	6			$	12,075			$	982			$	40,444
Charge-offs		(1,730		)		(113		)		—				(625		)		(29		)		—				(2,806		)		(278		)		(5,581		)
Recoveries		54				—				—				422				—				32				1				262				771
Provision		8,372				(383		)		1,889				965				1,332				(38		)		1,726				(164		)		13,699
Balance at December 31, 2017		$	14,280			$	4,971			$	13,265			$	1,701			$	3,318			$	—			$	10,996			$	802			$	49,333
Individually evaluated for impairment		$	498			$	—			$	—			$	435			$	—			$	—			$	277			$	7			$	1,217
Collectively evaluated for impairment		13,782				4,971				13,265				1,266				3,318				—				10,719				795				48,116
Acquired with deteriorated credit quality		—				—				—				—				—				—				—				—				—
Total ending ALLL		$	14,280			$	4,971			$	13,265			$	1,701			$	3,318			$	—			$	10,996			$	802			$	49,333
Loans and leases:
Individually evaluated for impairment		$	3,582			$	—			$	—			$	944			$	—			$	—			$	14,699			$	4,825			$	24,050
Collectively evaluated for impairment		1,698,369				717,415				1,816,141				77,755				182,960				13				2,040,950				101,754				6,635,357
Acquired with deteriorated credit quality		—				—				—				—				—				—				—				—				—
Total loans and leases		$	1,701,951			$	717,415			$	1,816,141			$	78,699			$	182,960			$	13			$	2,055,649			$	106,579			$	6,659,407

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 year ended December 31, 2016:

($ in thousands)		Commercial and Industrial				Commercial Real Estate				Multifamily				SBA				Construction				Lease Financing				Single Family Residential Mortgage				Other Consumer				Total
ALLL:
Balance at December 31, 2015		$	5,850			$	4,252			$	6,012			$	683			$	1,530			$	2,195			$	13,854			$	1,157			$	35,533
Charge-offs		(166		)		(414		)		—				—				—				(974		)		(1,057		)		(7		)		(2,618		)
Recoveries		225				807				169				500				—				283				248				26				2,258
Provision		1,675				822				5,195				(244		)		485				(1,498		)		(970		)		(194		)		5,271
Balance at December 31, 2016		$	7,584			$	5,467			$	11,376			$	939			$	2,015			$	6			$	12,075			$	982			$	40,444
Individually evaluated for impairment		$	—			$	—			$	—			$	—			$	—			$	—			$	243			$	—			$	243
Collectively evaluated for impairment		7,584				5,462				11,376				920				2,015				6				11,752				982				40,097
Acquired with deteriorated credit quality		—				5				—				19				—				—				80				—				104
Total ending ALLL		$	7,584			$	5,467			$	11,376			$	939			$	2,015			$	6			$	12,075			$	982			$	40,444
Loans and leases:
Individually evaluated for impairment		$	2,429			$	—			$	—			$	—			$	—			$	—			$	10,629			$	294			$	13,352
Collectively evaluated for impairment		1,515,771				728,777				1,365,262				71,168				125,100				379				1,962,789				110,328				5,879,574
Acquired with deteriorated credit quality		4,760				1,182				—				2,672				—				—				133,212				—				141,826
Total loans and leases		$	1,522,960			$	729,959			$	1,365,262			$	73,840			$	125,100			$	379			$	2,106,630			$	110,622			$	6,034,752

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,
		2017												2016
($ in thousands)		Unpaid Principal Balance				Recorded Investment				Allowance for Loan and Lease Losses				Unpaid Principal Balance				Recorded Investment				Allowance for Loan and Lease Losses
With no related allowance recorded:
Commercial:
Commercial and industrial		$	471			$	453			$	—			$	2,478			$	2,429			$	—
SBA		342				335				—				—				—				—
Consumer:
Single family residential mortgage		7,521				7,553				—				8,865				8,887				—
Other consumer		4,664				4,663				—				294				294				—
With an allowance recorded:
Commercial:
Commercial and industrial		3,146				3,129				498				—				—				—
SBA		635				609				435				—				—				—
Consumer:
Single family residential mortgage		7,090				7,146				277				1,772				1,742				243
Other consumer		157				162				7				—				—				—
Total		$	24,026			$	24,050			$	1,217			$	13,409			$	13,352			$	243

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

		Year Ended December 31,
		2017												2016												2015
($ in thousands)		Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized				Average Recorded Investment				Interest Income Recognized				Cash Basis Interest Recognized
Commercial:
Commercial and industrial		$	1,034			$	—			$	—			$	3,490			$	183			$	208			$	6,750			$	305			$	302
Commercial real estate		—				—				—				148				24				24				353				37				37
Multifamily		—				—				—				—				—				—				395				13				15
SBA		357				—				—				—				—				—				7				2				—
Construction		382				—				—				—				—				—				—				—				—
Lease Financing		19				—				—				—				—				—				—				—				—
Consumer:
Single family residential mortgage		12,611				199				182				27,150				862				835				25,093				869				885
Other consumer		1,757				8				8				294				8				9				424				12				13
Total		$	16,158			$	207			$	190			$	31,081			$	1,077			$	1,076			$	33,022			$	1,238			$	1,252

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, 2017, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases:

		December 31, 2017
($ in thousands)		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 89 Days Past due				Total Past Due				Current				Total
NTM loans:
Single family residential mortgage		$	3,353			$	1,587			$	1,171			$	6,111			$	715,047			$	721,158
Green Loans (HELOC) - first liens		5,707				292				—				5,999				76,198				82,197
Green Loans (HELOC) - second liens		—				—				—				—				3,578				3,578
Other consumer		—				—				—				—				—				—
Total NTM loans		9,060				1,879				1,171				12,110				794,823				806,933
Traditional loans and leases:
Commercial:
Commercial and industrial		136				3,595				948				4,679				1,697,272				1,701,951
Commercial real estate		—				—				—				—				717,415				717,415
Multifamily		—				—				—				—				1,816,141				1,816,141
SBA		3,578				—				1,319				4,897				73,802				78,699
Construction		—				—				—				—				182,960				182,960
Lease financing		—				—				—				—				13				13
Consumer:
Single family residential mortgage		6,862				3,370				6,012				16,244				1,236,050				1,252,294
Other consumer		3,194				413				92				3,699				99,302				103,001
Total traditional loans and leases		13,770				7,378				8,371				29,519				5,822,955				5,852,474
PCI loans:
Commercial:
Commercial and industrial		—				—				—				—				—				—
Commercial real estate		—				—				—				—				—				—
SBA		—				—				—				—				—				—
Consumer:
Single family residential mortgage		—				—				—				—				—				—
Total PCI loans		—				—				—				—				—				—
Total loans and leases		$	22,830			$	9,257			$	9,542			$	41,629			$	6,617,778			$	6,659,407

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
($ in thousands)		30 - 59 Days Past Due				60 - 89 Days Past Due				Greater than 89 Days Past due				Total Past Due				Current				Total
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
Other consumer		—				—				—				—				—				—
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
Multifamily		—				—				—				—				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 loans and leases		$	38,180			$	7,038			$	16,795			$	62,013			$	5,972,739			$	6,034,752

Composition of Nonaccrual Loans and Leases

The following table presents the composition of non-accrual loans and leases, excluding PCI loans, as of the dates indicated:

		December 31,
		2017												2016
($ in thousands)		NTM Loans				Traditional Loans and Leases				Total				NTM Loans				Traditional Loans and Leases				Total
Commercial:
Commercial and industrial		$	—			$	3,723			$	3,723			$	—			$	3,544			$	3,544
SBA		—				1,781				1,781				—				619				619
Lease financing		—				—				—				—				109				109
Consumer:
Single family residential mortgage		1,171				8,176				9,347				467				9,820				10,287
Other consumer		—				4,531				4,531				—				383				383
Total		$	1,171			$	18,211			$	19,382			$	467			$	14,475			$	14,942

Troubled Debt Restructurings

Troubled debt restructured loans and leases consist of the following as of the dates indicated:

		December 31,
		2017												2016
($ in thousands)		NTM Loans				Traditional Loans				Total				NTM Loans				Traditional Loans				Total
Commercial:
Commercial and industrial		$	—			$	2,675			$	2,675			$	—			$	—			$	—
Consumer:
Single family residential mortgage		471				2,653				3,124				853				1,440				2,293
Green Loans (HELOC) - first liens		2,228				—				2,228				2,240				—				2,240
Green Loans (HELOC) - second liens		294				—				294				294				—				294
Total		$	2,993			$	5,328			$	8,321			$	3,387			$	1,440			$	4,827

The following table summarizes the pre-modification and post-modification balances of the new TDRs for the periods indicated:

		Year Ended December 31,
		2017											2016											2015
($ in thousands)		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				Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Commercial:
Commercial and industrial		1			$	2,706			$	2,706			—			—				$	—			$	—			$	—			$	—
Consumer:
Single family residential mortgage		3			$	2,416			$	2,433			42			$	10,278			$	10,273			13				$	4,571			$	4,493
Other consumer		—			—				—				—			—				—				1				261				259
Total		4			$	5,122			$	5,139			42			10,278				$	10,273			$	14			$	4,832			$	4,752

For the years ended December 31, 2017, 2016, and 2015, there were no loans and leases that were modified as TDRs during the past 12 months that had subsequent payment defaults during the periods.

The following table summarizes the TDRs by modification type for the periods indicated:

		Modification Type
		Change in Principal Payments and Interest Rates							Change in Principal Payments							Change in Interest Rates							Chapter 7 Bankruptcy							Other							Total
($ in thousands)		Count			Amount				Count			Amount				Count			Amount				Count			Amount				Count			Amount				Count			Amount
Year ended December 31, 2017
Commercial:
Commercial and industrial		—			$	—			1			$	2,706			—			$	—			—			$	—			—			$	—			1			$	2,706
Consumer:
Single family residential mortgage		2			1,290				1			1,143				—			—				—			—				—			—				3			2,433
Total		2			$	1,290			2			$	3,849			—			$	—			—			$	—			—			$	—			4			$	5,139
Year ended December 31, 2016
Consumer:
Single family residential mortgage		34			$	8,622			4			$	780			2			$	146			1			$	519			1			$	206			42			$	10,273
Total		34			$	8,622			4			$	780			2			$	146			1			$	519			1			$	206			42			$	10,273
Year ended December 31, 2015
Consumer:
Single family residential mortgage		—			$	—			—			$	—			—			$	—			13			$	4,493			—			$	—			13			$	4,493
Other consumer		—			—				—			—				—			—				1			259				—			—				1			259
Total		—			$	—			—			$	—			—			$	—			14			$	4,752			—			$	—			14			$	4,752

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 or sold in sales of branches and business units, and PCI loans for the periods indicated:

		Year Ended December 31,
		2017								2016								2015
($ in thousands)		Purchases				Sales				Purchases				Sales				Purchases				Sales
Commercial:
Multifamily		$	—			$	—			$	—			$	—			$	—			$	(242,580	)
SBA		—				—				—				—				—				(3,599		)
Lease financing		—				—				91,247				(19,741		)		127,043				—
Consumer:
Single family residential mortgage		—				—				—				(149,413		)		49,488				(165,915		)
Total		$	—			$	—			$	91,247			$	(169,154	)		$	176,531			$	(412,094	)

Financing Receivable, Significant Activity

The following table presents loans and leases transferred from (to) loans held-for-sale by portfolio segment, excluding loans and leases transferred in connection with sales of branch and business unit, and PCI loans for the periods indicated:

		Year Ended December 31,
		2017								2016								2015
($ in thousands)		Transfers from Held-For-Sale				Transfers to Held-For-Sale				Transfers from Held-For-Sale				Transfers to Held-For-Sale				Transfers from Held-For-Sale				Transfers to Held-For-Sale
Commercial:
Commercial and industrial		$	—			$	(3,924	)		$	—			$	(1,757	)		$	—			$	—
Commercial real estate		—				(1,329		)		—				(2,792		)		3,762				—
Multifamily		—				(6,583		)		—				(81,780		)		—				—
SBA		—				(1,865		)		—				—				—				—
Construction		—				(1,528		)		—				—				—				—
Consumer:
Single family residential mortgage		88,591				(450,625		)		7,115				(105,337		)		479,089				—
Total		$	88,591			$	(465,854	)		$	7,115			$	(191,666	)		$	482,851			$	—

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:

		December 31,
		2017								2016
($ in thousands)		Outstanding Balance				Carrying Amount				Outstanding Balance				Carrying Amount
Commercial:
Commercial and industrial		$	—			$	—			$	5,029			$	4,760
Commercial real estate		—				—				1,613				1,182
SBA		—				—				3,771				2,672
Consumer:
Single family residential mortgage		—				—				153,867				133,212
Total		$	—			$	—			$	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:

		Year Ended December 31,
($ in thousands)		2017				2016				2015
Balance at beginning of year		$	41,181			$	205,549			$	92,301
New loans or leases purchased		—				23,568				138,046
Accretion of income		(3,833		)		(34,616		)		(23,441		)
Increase (decrease) in expected cash flows		(225		)		(10,650		)		19,852
Disposals		(34,886		)		(142,670		)		(21,209		)
Other		(2,237		)		—				—
Balance at end of year		$	—			$	41,181			$	205,549

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period

The following table presents PCI loans purchased for the periods indicated:

		Year Ended December 31,
($ in thousands)		2017				2016				2015
Consumer:
Single family residential mortgage		—				103,799				571,245
Outstanding unpaid principal balance at acquisition		$	—			$	103,799			$	571,245
Cash flows expected to be collected at acquisitions		$	—			$	114,552			$	667,224
Fair value of acquired loans at acquisition		$	—			$	90,984			$	529,178

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